Hi All,
I was able to refinance prodigy finance loan i took for my masters in usa. Initially prodigy started my quote at 6.38% but eventually it went as high as 13%.
I was finally able to refinance it through SoFi without any collateral or co-signer and they gave me a 7.04% interest rate as opposed to 13% of prodigy's and also gave a 6 month period before I can start repaying my loan(they matched the Prodigy refinance repayment schedule).
This definitely saved me a ton of money on interest and SoFi also gives you additional interest rate discount if you have a co-signer or signup for autopay. The process is also pretty simple everything is online.
I am sure most of you are in a similar situation and would like to refinance their loan for lower interest rates. If you are in a similar situation I recommend looking into SoFi and feel free to reach out if you have any doubts. Also the best chance of getting approved is using a referral and this would also get you a better interest rate. Feel free to reach out for a referral.

Hi guys
Any sites similar to chat gpt? Where you can use online for free?
Thanks

Hello everyone, fresh meat here. From my understanding, I can install any or most games for free on my console by running HEN, but to avoid getting banned I must always avoid being online right? I can earn trophies while running HEN and when I need to sync my psn I just restart the console and avoid running HEN while syncing? Also, how do I get HEN? The tutorial I was following told me how to format my USB stick but the link it gave in the description leads nowhere.

Hi All,
I was able to refinance prodigy finance loan i took for my masters in usa. Initially prodigy started my quote at 6.38% but eventually it went as high as 13%.
I was finally able to refinance it through SoFi without any collateral or co-signer and they gave me a 7.04% interest rate as opposed to 13% of prodigy's and also gave a 6 month period before I can start repaying my loan(they matched the Prodigy refinance repayment schedule).
This definitely saved me a ton of money on interest and SoFi also gives you additional interest rate discount if you have a co-signer or signup for autopay. The process is also pretty simple everything is online.
I am sure most of you are in a similar situation and would like to refinance their loan for lower interest rates. If you are in a similar situation I recommend looking into SoFi and feel free to reach out if you have any doubts. Also the best chance of getting approved is using a referral and this would also get you a better interest rate. Feel free to reach out for a referral.

TLDR: Baby (13 weeks) won’t nap out of arms. We’ve been practicing for 8 weeks. Practicing is making me miserable. Planning to sleep train in July. Should I cut my losses and just contact nap at this point, or is there something I’m missing?
Baby is almost 13 weeks old. Since the end of March, I’ve been working on the elusive contact-free nap. Based on my Snoo record, I’ve tried in the Snoo least once a day (sometimes twice) 29 times in the last 54 days. We’ve had four successes in total, all under an hour. Twice I put him down awake and he fell asleep on his own, and twice I got him to sleep then set him down and he stayed asleep for another 20-30 minutes or so. A few times I’ve tried putting him asleep on my bed, the baby swing, the doc a tot knock off, or some other more comfortable less safe location … but no bites. We’ve also tried naps in the car and in the stroller (both bassinet and car seat attachments), and he’s only had one nap in one of those arrangements—it was in the bassinet part of the stroller, but I had to keep the stroller rolling.
During the day, he primarily naps in the baby carrier. If you get him in before his internal timer is up, he doesn’t even fight it. (If you get him strapped in a little late in the wake window, he’ll let out his swan song for 15 minutes before passing out.) At night he sleeps great in his Snoo, typically nursing to sleep before bed and during his 1-2 MOTN wakes, but he doesn’t always nurse to sleep! Sometimes I’ll put him down awake and asleep he goes. Even when he nurses to sleep, he’ll sometimes wake up during the transfer. The point of this paragraph is to spell out “sleep crutches” that he does have and the extent to which he depends on them, and to suggest that he doesn’t have reflux since he sleeps flat on his back all night long.
When we try for Snoo naps, he typically cries so intensely that the Snoo almost immediately (3 minutes in) turns off. I’ve tried just sitting there in the room, resetting it several times in a row—you have to do it manually because you’re not supposed to let your baby cry that loud for that long I guess. I’ve tried SITBACK. I’ve tried getting him sleepy before setting him down, but almost nothing pisses him off more than me trying to “Taking Cara Babies” CRIES him into a drowsy state. Once we’ve given it 10-15 minutes of wailing in the bassinet (I’m talking 100% volume, sets-off-your-smart-watch decibel levels), the road forks: I hold him to sleep then keep trying to put him down; I hold him to sleep and just sit or stand in his room for the rest of the nap; I strap him into the carrier for the rest of the nap. But whatever we do at that point, it involves a lot of intense crying and a far less restful nap than he’d have if I just put him in the carrier to begin with, and 2/3 of those options tie me down for another hour or more while I try to keep him asleep.
His room is dark with blackout curtains and is 71-72 degrees (bought a thermostat for his room in particular in case temperature was the issue.) We use a sound machine, and we have a pre-nap routine that mimics the bedtime routine. And of course I’m watching the wake windows; he seems to be a little higher sleep needs than average. He still doesn’t love being awake for more than 75 minutes at a time, especially for that first wake window which typically precedes our practice nap, so usually I start the nap time routine at the one hour mark.
I am struggling to provide more consistent practice than this because I also have a 2 year old son, and when I’m taking care of him, my ability to sink time and attention into the baby’s nap is very limited. When my toddler has other care, I need to be getting work done, so it’s a big loss to spend so much time on the nap. Best case scenario, trying for the bassinet nap takes 40 minutes more of my time than just putting him in the carrier and carrying on with life, but often it’s much more because I get stuck in his room trying to salvage some sleep for him. And of course, various life things come up, too: grandma visits and offers to hold him, we take a trip, we try to hit up library story time, baby gets his shots, etc. While I understand that this is not a great deal of consistency, it’s hard for me to imagine that there are parents of multiple children out there who have much more consistency to offer. Who that is also taking care of other kids has an hour and a half out of every 3 to render themselves otherwise unavailable, multiple times a day, every day of the week? Maybe I’m dead wrong on this point, but I have to imagine I’m offering as much consistency as other parents of multiple kids have offered their younger babies, babies who somehow began to get some traction after months of effort.
I’m feeling frustrated and hopeless. I am going on 8 weeks of making what feels like a lot of sacrifice to encourage independent napping, and I am not really seeing any progress. In fact, I’m starting to feel like it’s not worth it any more. I’ve already accepted that I’ll need to sleep train; we’re ripping off that bandaid on 7/22 and have multiple out-of-town trips planned before then. And the practice naps come at a big cost to me in terms of both time and peace of mind. Right now, I don’t have full time childcare for my baby, so I am already working in the margins. I keep telling myself that it will save me time once it clicks for him, but like we are months into this and have seen literally no return on the investment. With all the stress it has caused me, we are actually pretty deep in the red.
So: should I cut my losses and just lean in to the carrier nap until the end of July? Or is there something I can do to get bassinet napping online? Why does practicing help other babies but not mine//why have we seen no progress at all when practice is touted as the ticket?!

Hello! I’m Rat, a 24 year old woman who desperately needs friends!
I’m looking for people I can chat with throughout the day, every day preferably! I can talk about anything and everything! (Except politics!) I just love to chat! I excel at small talk but I can discuss anything!
I want people who are kind, funny, and emotionally intelligent! I believe I am these things myself! I would like to think I’m very personable!
My general interests are nerdy! I am a new DM for dungeons and dragons, and I spend a lot of time playing Overwatch in my free time! I’m also an online student working towards a bachelors in business while working full time!
Preferably you are around my age and at least near my time zone(central).
Our friendship awaits us, send me a chat!

Hello everyone!,
Today I want to introduce a new PSOBB server that some of you might be interested on, specially if you are a former retail USBB or JPBB player or a diehard vanilla player, it's called 'Kiyomizu PSO BB' and today I've decided to open it to the public after running it in a testing capacity these last 7 months or so.
This server aims to make the PSOBB experience as simple as possible, by offering only the original base game and the official quests and features that SEGA had active at the time of the official JPBB servers shutdown. It also acts like a testing ground for the newserv software which emulates all PSO versions online components created by fuzziqersoftware but specifically in the BB side of things in this case.
By keeping the game in its original untouched state we are aiming for the maximum accuracy for archival purposes which in turn retroactively feeds the newserv project as a whole.
If you are curious about PSOBB, never got the chance to play Episode 4, want to start fresh, or want to know how the game server behaved for us back in the retail days, feel free to check it out its open and running 24/7.
Setup Instructions
Download the official SEGA client and install it (make a backup of this installer too as its the original untouched client of the latest official build)
https://archive.org/details/psobb_jp_setup_12511_20240109/
Download the patch and place the two files 'psobb.cfg' and 'wsock32.dll' in the PSOBB folder located at "C:\SEGA\PHANTASY STAR ONLINE Blue Burst"
Note: You can also change the game language by setting the language flag in the .cfg file, 0 for japanese, 1 for english.
https://kiyomizu.moe/psobb/patch/PATCH_EN.zip
Start the game as usual with the original launcher, and upon reaching the Title Screen, input any username/password combination and login, the account will be created automatically (like in PSU Clementine) and the patch progress will start, let it run for a minute or so as it takes a bit and restart the client.
Official Server Site (I'm still updating some sections with further information)
https://kiyomizu.moe/psobb/
Hope you like it and see you in-game!
For mods: I would like to also request a server operator badge as this will be my official account for server announcements from now on.

Senator Campbell's team reached out to request the opportunity to hold an AMA with our sub in light of the recent state legislative session wrapping up.
Feel free to post your questions/comments in this thread and they will be transposed over to the AMA thread on Friday. She will be responding through u/campbell4TN, which we have verified (see verification picture here).
Senator Campbell will be online and responding to your questions Friday, 5/24, between 11AM-1PM. Please keep all submissions within sub rules! Thanks!

Hello everyone!
Since summer break already started and I have tons of free time to draw I wanted to ask for the online courses that worked better for you and that you would recommend. My skill level would be somewhat more advanced than a beginner but not intermediate and I am looking to improve either my anatomy skills, gesture, or perspective. I don’t mind if I have to pay for it. I would be very grateful if you gave me recommendations, thank you.

Hey folks, I had a somewhat-serious accident about a month ago, and—since I do most of our online work—I was worried we weren't going to be able to do our monthly round of pro bono tutoring, but I think we will be able to manage. There will be far fewer slots than usual, but...
We are offering complimentary, diagnostic, one-on-one tutoring sessions for the next week. Space will be very limited, so please sign up only if you plan on attending. We typically offer these sessions once or twice a month as part of our contribution to this sub. You can read firsthand accounts from participants of previous rounds here and here. I hope we can continue this tradition even as our company continues to grow.
Some testimonials…

I read one of these posts last winter after almost a year of self-study, and thought this would be a good opportunity to get an outside perspective on how I was approaching the test...This 2-hour session ended up being more valuable than my entire last month of studying, and changed the way I looked at LR. Even if I hadn't pursued further tutoring with TheoryWorks after that, this session would have changed my entire approach to the exam. [1]
In case you're on the fence, I definitely recommend signing up for one of the diagnostic sessions. I initially thought it would just be a quick 30 minute session, but it was a full hour and a half spent addressing my individual weaknesses based on recent PTs. I really appreciated the degree of focus on my needs instead of just generalized advice. Highly recommend! [2]
I would highly recommend booking a session. I think nobody else offers a free 1-1 tutoring session right now so TheoryWorks Prep really stands out in this way. For those of us, who are looking for a tutor, this is far more useful in seeing how a tutoring session would be like and how they teach. I will likely consider moving forward with TheoryWorks Prep because I think Henrik's focus to detail and strategy of making the test more simpler, is something I need at this stage of my LSAT studying. [3]

Here is the Calendly link to reserve a slot.
If you've attended one of our seminars before, you know we tend to specialize in more advanced test-prep and bring a more sophisticated tool set to the LSAT.
What can you expect from your session?

1. Tailored Guidance: Receive customized advice and strategic recommendations on how to maximize your study effectiveness, tailored to the unique timeframe and goals of your LSAT prep journey.
2. Skill Enhancement: Learn a pivotal LSAT skill or concept that will have a direct and measurable impact on your test performance. This key takeaway is designed to offer immediate improvement in your approach to the exam.
3. Interactive Analysis: Engage in a comprehensive review of your current standing, including an analysis of your strengths and areas for improvement, facilitated by our expert tutors.
4. The only thing we ask in return is that you agree to review the session in this thread after-the-fact. You can (and should) be as honest as you'd like of course!
5. Sessions are typically between 1.5 - 2 hours in duration.

Here is the Calendly link again for scheduling a session.
(Also, PSA: Unless we manage to recruit additional (and qualified) full-time tutors/instructors—there are only still three of us here—we will in all likelihood probably discontinue this pro bono initiative after the June 2024 exam.)

Link: https://cernig.substack.com/s/don-henleys-lyric-aficionados-collective
I write a deep dive on one of Henry's songs from his solo career each week. Eventually, we'll get to stuff from the Eagles.
Right now, it's a relatively small community overall. But I know from being part of other Henley forums online that many fans want to talk about his work!
Please consider joining for free! I also write about dad life with my two toddlers, my journey with depression, sports, and lots of other random victims!
Thank you!

Thought I'd share about a new recovery meeting happening today, and every Tuesday at 4:30 pm PST for women and femme NBs. We'll be referencing tools to abstain from these addictive behaviors using the SMART Recovery Handbook:
https://smartrecovery.org/toolbox
All the tools are available to check out free here. It's recommended that you have a quick look before the meeting but if you aren't able to and would still like to join you are welcome! To join, just send me a DM for the zoom link.
I assume everyone here knows what sex and love addiction are, but about the other two...:
Limerence is a type of addictive, extremely high dopamine reward kind of infatuation or obsession that typically takes the form of intrusive thoughts. The thoughts then inform our actions. This group focusses on problematic limerence--for example, you are deeply in love with your spouse but your thoughts are uncontrollably drawn towards having crush upon crush on different people. The crushes evolve into intrusive thoughts that serve to numb or distract you from the unpleasant parts of daily life, similar to any other kind of drug. You may feel you are at the risk of cheating, like a compulsion that you don't feel in control of, even though your *true self* doesn't want to cheat.
Sexual attention addiction refers to online or in person addiction to receiving validation for our appearance, beauty, or sexuality. This may take subtle or covert forms. In it's more subtle forms it can be hard to identify: perhaps you feel the need to dress up sexily before a night out so that you know you will turn a lot of heads. Of course, this can simply be a type of lighthearted fun. The addictive aspect might come into play however, if for example someone who was paying attention to you, starts paying attention to your friend instead. You might feel your mood drop significantly, or even feel inexplicably annoyed at your friend for "cutting you off" from that source of dopamine.

I’m not trying to be a Debby downer but let’s be real it’s 2024 and technology is currently the most advanced it’s ever been and the most important part or at least one of the most important parts in an online multiplayer game is actually being able to get into lobbies to play the game and this is currently impossible to do and that’s been the case with nearly every online multiplayer game that’s launched in the past couple of years or so excluding COD. I don’t understand it. The game is free so I don’t particularly care all that much but I’m currently home and bored so I’d like to give this game a shot but can’t even find a lobby to connect with and I’ve reached my hour and a half waiting limit. Lame.

Hello, hello!
My name is Dee and I am running my first full fledged campaign for the first time very soon. I have been enjoying DND as a player since summer of 2020 and have ran more-than-I-can-count-one-shots since about 2022. And since then I realized how much creative flow I have as a DM. So since then, I’ve been writing this campaign in question. And my beautiful baby is finally ready to be experienced.
If you’re interested, please feel free to hit me up on Discord (not here, I don’t have notifs on).
I don’t care your experience level - new or playing since 1E, I want you here!! <3
Disc: @ily_dee

Hello, My name is Hamdan, I'm a 15year old who's turning 16 this year in July 17 (I am a grown man i can take care of myself from strangers), Who's trying to make money online but i don't really know what can i do, The problem is that i do not want to work like a 9-5 Job, Just something easy to do, I've thought of car washing but its kind of complicated especially knowing how strict UAE is, I do not have any talent, I do not want to sell my stuffs, I even tried going on Roblox and 3 of my games failed, Is there any easy option to make me money? I mostly prefer Online as i have a credit card with my parents name on it
I know i'm just a teenager who isn't really required so but i have a lot of things i wanted to do before turning Adult that cannot be done without money. I don't want to annoy my parents with that, I'm also very lazy, I sleep hours hours and hours in the morning
I really wanna find a way to make money as a teenager, Online or physically, I want it to be a good payout, Enjoyable, Not like a 9-5 thing but more like a free time, If it was to be something physical, Maybe i'd go on it since all i do at home is sleep, Eat, Play repeat, Maybe do something better
Does anyone got advice?

PUBG MOBILE
Mech Mania Showcase
SWEEPSTAKES OFFICIAL RULES
NO ENTRY FEE. NO PURCHASE OR OBLIGATION IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT IMPROVE THE CHANCES OF WINNING. ODDS OF WINNING WILL DEPEND ON THE TOTAL NUMBER OF ELIGIBLE ENTRIES RECEIVED WORLDWIDE. VOID WHERE PROHIBITED OR WHERE REGISTRATION, BONDING OR LOCALIZATION REQUIRED. SUBJECT TO ALL NATIONAL, REGIONAL AND LOCAL LAWS.
This Mech Mania Showcase (the “Sweepstakes”) is in connection with the video game PUBG MOBILE (the “Game”), and is governed by these official rules (“Official Rules”), the Game’s EULA available at https://www.pubgmobile.com/terms.html (“EULA”), the Game’s privacy policy available at https://pubgmobile.proximabeta.com/privacy/en.html (“Privacy Policy”), and any additional rules on the applicable Sweepstakes webpage. By submitting an entry to the Sweepstakes, you are accepting the terms and conditions of participation on the applicable Sweepstakes webpage, the Official Rules, the EULA, and the Privacy Policy.
The sponsor of this Sweepstakes is ZAM Network, LLC, a Delaware limited liability company with an office at 12777 W. Jefferson Blvd – Building E, Los Angeles, CA 90066 (“ZAM” or “Sponsor”).

1. Promotion Period

The Sweepstakes begins on May 21st at 12pm PDT and runs through June 3rd 2024 at 11:59pm PDT (the “Promotion Period”).

1. Eligibility

In order to be eligible, participants must be at least (whichever is higher): (i) 18 years old, or (ii) the age of majority in their state or country of their legal residence as of the date of entry, who have an active email account and Internet access. This Sweepstakes is not open to legal residents of Bangladesh, China, Colombia, Dubai, Egypt, Hong Kong, Indonesia, Italy, Malaysia, Mexico, Philippines, Quebec of Canada, Singapore, South Australia and QLD, South Korea, Turkey. Any additional eligibility requirements will be indicated in the additional terms found on the applicable Sweepstakes webpage. Persons identified as “Blocked Persons” or persons subject to applicable sanctions prohibitions, including, without limitation, those persons listed on the U.S. Department of Treasury Office of Foreign Assets Control’s Specially Designated Nationals and Blocked Persons List are not eligible to participate in the Sweepstakes. Employees of ZAM, Proxima Beta Pte. Ltd., Krafton, and their respective parent company, affiliates, subsidiaries, advertising, promotion, fulfillment or other coordinating agencies, individuals providing services to them through an outsourcer or temporary employment agency during the Promotion Period, and their respective immediate family members and persons living in the same household, are not eligible to participate in the Sweepstakes.

1. Entry Instructions

To participate in the Sweepstakes and be eligible for a potential prize, participants must complete one of the entry methods indicated on the applicable Sweepstakes webpage during the Promotion Period. One entry per individual, household and/or email address is permitted, regardless of method of entry, unless expressly set forth to the contrary in the additional terms found on the applicable Sweepstakes webpage. Multiple participants are not permitted to share the same email or other account needed for participation. Any attempt by any participant to obtain more than the stated number of entries by using multiple/different email or addresses, accounts, identities, registrations and logins, or any other methods will void that participant’s entries and that participant may be disqualified. Use of any automated, programmed or robotic system or the like entry methods to participate is prohibited and will result in disqualification. Each potential winner may be required to show proof of being the authorized account holder. All entries become property of ZAM and none will be acknowledged or returned.

Social Media Entry: Collect your best PUBG MOBILE content; then upload your content to social media with the hashtag #MECHMANIASHOWCASE + #SWEEPSTAKES. 

• Entries must be original and not violate any third-party rights, and the entrant must have all rights necessary to submit the entry.
• Entries may not contain material that (a) is obscene, defamatory, libelous, threatening, pornographic, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, or violate any law; (b) infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, contractual rights, moral rights or other intellectual property rights, or rights of publicity or privacy, or any other rights of third parties; (c) violates, or encourages any conduct that would violate any applicable law or regulation or would give rise to civil liability; (d) is fraudulent, false, misleading or deceptive; (e) is grossly harmful, racially or ethnically objectionable, disparaging, blasphemous, libelous, defamatory, obscene, pornographic, pedophilic, vulgar or offensive; (f) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (g) is violent, bullying, or threatening or promotes violence, money laundering or gambling, terrorism, or actions that are threatening or disrespectful to any person or entity; (h) harms minors in any way; or (i) promotes illegal or harmful activities or substances.
• Entries must follow the community guidelines and terms of service of the social media platform used for entry (where applicable).
• Participants may enter any number of times, but are only eligible to win once per week during the Sweepstakes Period.
• Sponsor may reject any entries that are found, as determined by ZAM in its sole discretion, to be in violation of these Official Rules.

1. Drawing; Notification of Winners

All Sweepstakes entries meeting the requirements of these Official Rules will be entered into the prize drawing. The number of winners will be indicated in the additional terms found on the applicable Sweepstakes webpage. Each winner will be selected by a random-chance drawing by independent persons or a computer program that randomly chooses the winner, from all eligible entries received and the random selection is final and binding, subject to the below. ZAM will notify winners by email, U.S. Mail at the address associated with the winner’s entry form, and/or by other means consistent with the Sweepstakes as soon as reasonably practicable following the drawing, but at least within seven (7) days of the drawing. ZAM is not responsible for any delay or failure to receive notification, including inactive account(s), technical difficulties associated therewith, or winner’s failure to adequately monitor any account. The winner must then respond to ZAM within fourteen (14) days or such other time frame as may be specified on the applicable Sweepstakes webpage. Winner, and any guest (if applicable), may be required to sign an affidavit of eligibility and liability and publicity release. Should the winner fail to respond to ZAM or cannot be contacted, is ineligible, fails to claim a prize and/or where applicable an affidavit of eligibility and liability and publicity release is not timely received, is incomplete or modified, the prize may be forfeited and ZAM reserves the right to disqualify that winner and select a new one in a second-chance random drawing from remaining valid, eligible entries timely submitted.

1. Prize

Each winner will receive the prize below. No cash or other substitution, assignment or transfer of the prize is permitted, except at the sole option of ZAM, who has the right to substitute a prize with another of comparable or greater value. Winner is responsible for all income or other taxes and fees associated with the receipt and/or use of the prize. The odds of winning a prize depend on the total number of eligible entries received. ZAM will not replace any lost or stolen prizes. ZAM will use all reasonable efforts to deliver prizes in a timely fashion.
Prizes:
5 winners will each win UC valued at US$100

1. Intellectual Property
2. Ownership of the pre-existing underlying intellectual property of the entrant remains the property of the entrant subject to Sponsor’s rights to reprint, display, reproduce, perform, use, and exhibit the entry for the purpose of administering and promoting the Sweepstakes and for Sponsor’s marketing and advertising purposes. By participating in the Sweepstakes, each entrant grants to Sponsor a non-exclusive, worldwide, fully paid, royalty-free, perpetual, transferable license, with the right to sublicense, to reprint, display, reproduce, perform, use, and exhibit (including the right to make derivative works of) the entry and materials and information submitted on and in connection with the Sweepstakes or use or receipt of the prize for any and all purposes in any medium. If an entrant is selected as a winner, instead of the license granted above, each entrant grants to Sponsor an exclusive, worldwide, fully paid, royalty-free, perpetual, transferable license, with the right to sublicense, to reprint, display, reproduce, perform, use, and exhibit (including the right to make derivative works of) the entry and materials and information submitted on and in connection with the Sweepstakes or use or receipt of the prize for any and all purposes in any medium. Each participating entrant hereby warrants that any entry and other materials and information provided by entrant are original with entrant and do not violate or infringe upon the copyrights, trademarks, rights of privacy, publicity, moral rights or other intellectual property or other rights of any person or entity, and do not violate any applicable laws, rules or regulations. If the entry or information or materials provided by entrant contain any material or elements that are not owned by entrant and/or which are subject to the rights of third parties, entrant represents he or she has obtained, prior to submission of the entry and information or materials, any and all releases and consents necessary to permit use and exploitation of the entry, relevant information and materials by Sponsor in the manner set forth in these Official Rules without additional compensation.

Each entrant warrants that the entry and materials and information provided do not contain information considered by entrant, its employees or personnel, or any other third party to be confidential, and that the entry, materials and information provided do not violate any laws or regulations. Entrant agrees that Sponsor has the right to verify the ownership and originality of all entries and that, upon Sponsor’s request, entrant must submit a written copy of any release or permission entrant has received from a third-party granting entrant the right to use such property. Entrant understands and acknowledges that in the event a submission is selected as a winning entry, and entrant’s ownership, rights and the originality of the entry cannot be verified to the satisfaction of Sponsor or is in any other way ineligible, Sponsor may select an alternate winner based on the same judging criteria.

1. Except to the extent prohibited by law, entrants waive the benefit of any “moral rights” or “droit moral” or similar rights in any country to any content that they upload, submit or otherwise provide to Sponsor associated with the Sweepstakes (“Entrant Content”). In addition, when an entrant creates, appears in, uploads, or posts Entrant Content, that entrant grants Sponsor a non-exclusive, transferable, worldwide, royalty-free, unrestricted, perpetual, irrevocable, license, with the right to sublicense, to such entrant’s name, likeness, and voice, including in connection with commercial or sponsored content. This means, among other things, that such entrant will not be entitled to any compensation from Sponsor, its affiliates, or its business partners if such entrant’s name, likeness, or voice is conveyed through the game or any related services, or on one of Sponsor’s business partner’s platforms.
2. Disputes

In the event of a dispute as to any participant, the authorized account holder of the email address associated with the entry will be deemed to be the participant. The “authorized account holder” is the natural person assigned an email address by an Internet access provider, online service provider or other organization responsible for assigning email addresses for the domain associated with the submitted address. Each potential winner may be required to show proof of being the authorized account holder. ZAM will make final determination of identity of participants and timing of entries in its sole discretion.

1. Additional Conditions

ZAM reserves the right, in its sole discretion, to terminate, modify or suspend the Sweepstakes in whole or in part, if in ZAM’s opinion (a) the Sweepstakes is not capable of running as planned by reason of the occurrence of any event beyond its control including, but not limited to, fire, flood, epidemic, pandemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications, equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Sweepstakes by any party, or any federal, state, local or provincial government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within ZAM’s control, or (b) any other factors beyond ZAM’s reasonable control corrupt or affect the administration, security, fairness, integrity, or proper conduct of the Sweepstakes, in all instances without liability to the participants. ZAM also reserves the right to disqualify any participant or winner, as determined by ZAM, in its sole discretion.

1. List of Winner(s)

Individuals may request the name of the winners by emailing Sponsor at entries@zam.com with the subject line: “Mech Mania Showcase Winners List”, within 90 days from the end of the Sweepstakes.

1. Personal Information

ZAM may collect personal data about participants online, in accordance with its privacy policy and as may be more specifically set forth in these Official Rules and the Privacy Policy.

1. Disclaimers and Limitations on Liability. ZAM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING ANY PRIZE OR YOUR PARTICIPATION IN THE SWEEPSTAKES. BY ENTERING THE SWEEPSTAKES OR RECEIPT OF ANY PRIZE, EACH ENTRANT AGREES TO RELEASE AND HOLD HARMLESS THE SWEEPSTAKES ENTITIES, ANY THIRD-PARTY SOCIAL MEDIA CHANNELS UTILIZED FOR THE SWEEPSTAKES, AND THEIR SUBSIDIARIES, AFFILIATES, SUPPLIERS, DISTRIBUTORS, ADVERTISING/SWEEPSTAKES AGENCIES, AND PRIZE SUPPLIERS, AND EACH OF THEIR RESPECTIVE PARENT COMPANIES AND EACH SUCH COMPANY’S OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY, THE “RELEASED PARTIES”) FROM AND AGAINST ANY CLAIM OR CAUSE OF ACTION, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, DEATH, OR DAMAGE TO OR LOSS OF PROPERTY, ARISING OUT OF PARTICIPATION IN THE SWEEPSTAKES OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. THE RELEASED PARTIES ARE NOT RESPONSIBLE FOR: (1) ANY INCORRECT OR INACCURATE INFORMATION, WHETHER CAUSED BY ENTRANTS, PRINTING ERRORS OR BY ANY OF THE EQUIPMENT OR PROGRAMMING ASSOCIATED WITH OR UTILIZED IN THE SWEEPSTAKES; (2) TECHNICAL FAILURES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO MALFUNCTIONS, INTERRUPTIONS, OR DISCONNECTIONS IN PHONE LINES OR NETWORK HARDWARE OR SOFTWARE; (3) UNAUTHORIZED HUMAN INTERVENTION IN ANY PART OF THE ENTRY PROCESS OR THE SWEEPSTAKES; (4) TECHNICAL OR HUMAN ERROR WHICH MAY OCCUR IN THE ADMINISTRATION OF THE SWEEPSTAKES OR THE PROCESSING OF ENTRIES; OR (5) ANY INJURY OR DAMAGE TO PERSONS OR PROPERTY WHICH MAY BE CAUSED, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, FROM ENTRANT’S PARTICIPATION IN THE SWEEPSTAKES OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. If for any reason an entrant's entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Sweepstakes, provided that if it is not possible to award another entry due to discontinuance of the Sweepstakes, or any part of it, for any reason, Sponsor, at its discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for any or all of the prizes offered herein. No more than the stated number of prizes will be awarded. In event that production, technical, programming or any other reasons cause more than stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a choosing from all legitimate, unawarded, eligible prize claims. In the event Sponsor is prevented from continuing with the Sweepstakes as contemplated herein by any event beyond its control, including but not limited to fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, or any federal, state or local government law, order, or regulation, or other cause not reasonably within Sponsor’s control (each a "Force Majeure" event or occurrence), then subject to any governmental approval which may be required, Sponsor shall have the right to modify, suspend, or terminate the Sweepstakes. The invalidity or unenforceability of any provision of these rules shall not affect the validity or enforceability of any other provision.
2. Indemnification

You agree to release, indemnify, defend and hold ZAM and its parent, affiliates, subsidiaries, directors, officers, employees, sponsors and agents, including advertising and promotion agencies, and assigns, and any other organizations related to the Sweepstakes, harmless, from any and all claims, injuries, damages, expenses or losses to person or property and/or liabilities of any nature that in any way arise from participation in the Sweepstakes or acceptance or use of a prize or parts thereof, including, without limitation, (a) any condition caused by events beyond ZAM’s control that may cause the Sweepstakes to be disrupted or corrupted; (b) the prize, or acceptance, possession, or use of the prize, or from participation in the Sweepstakes; and (c) any printing or typographical errors in any materials associated with the Sweepstakes.

1. Publicity

Except where prohibited, by participating in the Sweepstakes, you consent to the use of your name, photograph, likeness, voice, opinions, information, biographical information, entry and statements attributed to you (if true), hometown and jurisdiction of residence for advertising, publicity and promotional purposes, including without limitation, inclusion in ZAM’s newsletters, social media accounts and affiliated websites and the applicable Sweepstakes webpage, without further compensation.

1. Governing Law

These Official Rules, and any action related thereto, will be governed by the Federal Arbitration Act, federal arbitration law and the laws of the State of California without regard to conflict of laws provisions. Except as otherwise expressly set forth in Section 15 “Dispute Resolution and Arbitration” the exclusive jurisdiction for all Disputes (defined below) that you and ZAM are not required to arbitrate will be the state and federal courts located in Los Angeles County, California and you and ZAM each waive any objection to jurisdiction and venue in such courts.

1. Dispute Resolution and Arbitration
   
2. Mandatory Arbitration of Disputes. We each agree that any dispute, claim or controversy arising out of or relating to these Official Rules or the breach, termination, enforcement, interpretation or validity thereof or participation in the Sweepstakes (collectively, “Disputes”) will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and ZAM agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Official Rules, and that you and ZAM are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Official Rules.
   
3. Exceptions. As limited exceptions to Section 15(a) above: (i) we both may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.
   
4. Conducting Arbitration and Arbitration Rules. The arbitration will be conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by these Official Rules. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org. Any arbitration hearings will take place in the county (or parish) where you live, unless we both agree to a different location. The parties agree that the arbitrator shall have exclusive authority to decide all issues relating to the interpretation, applicability, enforceability and scope of this arbitration agreement.
   
5. Arbitration Costs. Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules, and we won’t seek to recover the administration and arbitrator fees we are responsible for paying, unless the arbitrator finds your Dispute frivolous. If we prevail in arbitration we’ll pay all of our attorneys’ fees and costs and won’t seek to recover them from you. If you prevail in arbitration you will be entitled to an award of attorneys’ fees and expenses to the extent provided under applicable law.
   
6. Injunctive and Declaratory Relief. Except as provided in 13(b) above, the arbitrator shall determine all issues of liability on the merits of any claim asserted by either party and may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. To the extent that you or we prevail on a claim and seek public injunctive relief (that is, injunctive relief that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the public), the entitlement to and extent of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. The parties agree that litigation of any issues of public injunctive relief shall be stayed pending the outcome of the merits of any individual claims in arbitration.
   
7. Class Action Waiver. YOU AND ZAM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ Dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution and Arbitration section shall be null and void.
   
8. Severability. With the exception of any of the provisions in Section 15(f) (“Class Action Waiver”), if an arbitrator or court of competent jurisdiction decides that any part of these Official Rules is invalid or unenforceable, the other parts of these Official Rules will still apply.
   
9. Languages. These Official Rules may be made in multiple language versions. In the event of a dispute as to the terms of different language versions, the English version shall prevail.
   
10. Country Specific Notices.
    
11. If any provision of these Official Rules is invalid under the law, rules, or regulations of a particular country, it will only apply to the extent permitted.
    
12. No Affiliation with Social Media Channels.
    
13. This Sweepstakes is in no way sponsored, endorsed, or administered by, or associated with, any of the social media channels used in connection with this Contest. Entrants understand that entrants are providing information to Sponsor and not to the social media channels. The information provided by entrants will only be used as described in these Official Rules and the Game’s Privacy Policy.
    

For any feedback or questions regarding these Official Rules, the Sweepstakes, winners, or prizes, you can contact Sponsor by sending an email to: entries@zam.com

Hello Delhi Peeps!
I'm confused between buying a refrigerator between online platforms like Amazon/Flipkart/Croma and any offline company outlet.
I want to buy from online platform because I can get some cashback and also handling logistics won't be on my end. Only thing which making me bit hesitant is "what if I get faulty product and not able to exchange it" .Sometimes amazon/myntra show some resistance while replace/return in the past. Only for this reason, I am considering to buy it from offline stores.
The models in my mind are LG & Whirlpool.
Guys, please help me out with whatever info you have.

Hello, My name is Hamdan, I'm a 15year old who's turning 16 this year in July 17 (I am a grown man i can take care of myself from strangers), Who's trying to make money online but i don't really know what can i do, The problem is that i do not want to work like a 9-5 Job, Just something easy to do, I've thought of car washing but its kind of complicated especially knowing how strict UAE is, I do not have any talent, I do not want to sell my stuffs, I even tried going on Roblox and 3 of my games failed, Is there any easy option to make me money? I mostly prefer Online as i have a credit card with my parents name on it
I know i'm just a teenager who isn't really required so but i have a lot of things i wanted to do before turning Adult that cannot be done without money. I don't want to annoy my parents with that, I'm also very lazy, I sleep hours hours and hours in the morning
I really wanna find a way to make money as a teenager, Online or physically, I want it to be a good payout, Enjoyable, Not like a 9-5 thing but more like a free time, If it was to be something physical, Maybe i'd go on it since all i do at home is sleep, Eat, Play repeat, Maybe do something better
Does anyone got advice?

I'm going to set up a feed to list our products with Free Listings. These are sold only at our brick and mortar location, no shipping and checkout is in person. Items are live plants and can weigh up to a thousand pounds.
We have a few thousand individual SKUs, and these are products that don't have any sort of UPC or GTIN.
I'm a little confused on submitting my data source, as everything in the documentation seems to be focused on products available for online shopping. Do I just set up my data source and ignore anything asking about Tax, Shipping, weight, etc? Or do I ignore submitting a data source and let Google crawl product pages and add them automatically provided my documents are marked up appropriately?

I hope you are doing better today than yesterday. (TLDR at the end; or enjoy my story :) )

Why:

About 11 months ago, I launched my app for the first time on lonely because I had previously experienced loneliness myself during grad school. I wanted to reach out to people going through similar experiences by providing them with what would’ve helped me in the past.
I felt this was an important mission for me and a much more rewarding one than my day job that I quit my job to work on the app full-time.
It was necessary because I did not come from a programming background. I knew how to program in the sense of running scientific simulations on MATLAB, but creating the front-end and back-end for a consumer app was totally new to me, so I had to learn from scratch.
I enjoyed everyday going to a cafe to learn from programming crash courses on YouTube, developing the app little by little, and eventually launching the app! The initial response was actually pretty great: 220 upvotes for the app launch post, which I proudly pinned in my bio :)

How:

I made the app to be based on voice, and nothing else: no profiles, no profile photos, and even no texts. The reason for that was I felt a lot of people felt lonely and had trouble finding meaningful online connections because of the modern communication medium which actually promotes superficial and viral contents over authentic and long-form contents. It is easy to see from examples: TikTok’s 30 second videos, Instagram’s eye-popping photos by beautiful people from the globe, and Twitter(X)’s 140-char spicy takes. Sure, these platforms offer us information about DIYs, trends, and news that can enrich our lives and entertain us, but they don’t by all means help us feel more connected to individuals. Even on Reddit, the contents tend to be more wholesome and there are hilarious comments that build on top of each other, but the actual sense of connection you feel with the users is tenuous.
Focusing on voice worked! It was incredible listening to the heartfelt messages from strangers from all over the world who opened up about their loneliness and didn’t mind being vulnerable to other strangers. I have personally spoke with everyone that came by. The 14k minutes of voice messages do not include my own voice messages; they are all messages that people left for their own posts, to each other, or as replies to me.

Highlights:

There were some incredible moments, which would be too long to share in this post (leave a comment if you want to hear more!), but some of the highlights were (note: these are all from public conversations):

• Lady in New Brunswick, Canada was extremely depressed after a difficult divorce and felt being on the life’s edge. She was getting scammed left and right on dating apps and was losing hope. She told me that I was the only one that she felt she could trust and talk to, and she probably wouldn’t be here if I ever stopped talking to her. Thankfully, she eventually managed to find a boyfriend and she thanked me for having always been there for her. She still came back to the app to act as a supporter for other lonely souls for a while!
• Gentleman in New York, USA felt isolated in a farm and felt he had no real connections with anyone. He shared with me and other users about his life growing various vegetables, but stopped coming on the app for a couple of months. When he came back, he was pleasantly surprised by the app’s development, felt I really believed in my mission to help lonely souls, and became an evangelist for my app :) He posted on several forums on Reddit and engaged in conversations with many users on the app.

What was also incredible was that there were not only people experiencing loneliness here, but also people who did not feel lonely but were on the app to support others going through loneliness. They would share stories and studies related to loneliness in their posts, and also try to talk to some lonely folks on the app who seemed very hardened by their experience of loneliness which made them cynical and pessimistic. The concept of compassionate listening by Thich Nhat Hanh and Polyvagal theory that explains 3 levels of our nervous system are a few things they mentioned that come to my mind. Unfortunately, these efforts by supporters were often, so to speak, ineffective in solving people’s loneliness.

What I learned:

And that was part of what made it so hard to have a sustainable ecosystem on my app: many people who have been lonely for a long period of time had their personalities and social skills hardened to the point that they either:

• did not know how to engage with others by understanding social cues and sharing stories about themselves that allow themselves to be vulnerable to others, which allows for deeper social connections
• felt they are never good enough, they are stuck in their situation, and there is nothing that can help them get better. Any help or suggestions offered by others would only work on others and did not apply to them.

My hope for the app was to help people who experience loneliness find and support each other. By providing the platform for them to voice out their stories, have them be heard by others, and find others who resonate and reply, I thought they would finally find friends whom they can relate to, share their lives with, and would no longer have to feel lonely again.
However, the reality was that many were hardened by loneliness and it was hard for such connections to materialize. Plus, one of the main ways for an app like this to grow is by word of mouth. Unfortunately, most people experiencing loneliness did not have anyone to share the app with, which stunted the app’s growth and mostly depended on me manually bringing users onto the platform.
With fewer chances of having good interactions, even the people who really resonated with the app and shared stories slowly stopped coming back. Some just suddenly ghosted, which made the experience on the app painful for other engaged people on the app.

My hope for the future:

I still believe that there are more people out there experiencing loneliness who have the deep desire to share their stories and find the long-term friends across the globe who understand each other and can share slices of their lives with.
So, if you are someone that can benefit from sharing stories and solve your loneliness this way, feel free to check out my app at https://bubblic.app
Also, if you know of any way I can improve the app to better help people experiencing loneliness, please leave a comment.
Lastly, word of mouth would really help. If you like the app, or if you know someone who would benefit from the app, please share it with others!

TLDR:

I created an app focused on voice communication to help lonely people connect, inspired by my own experiences. Despite an encouraging start and meaningful interactions, many users struggled to form lasting connections due to the deep impact of their loneliness. Growth has been slow, mainly reliant on my efforts. If you know someone who might benefit, please share my app: https://bubblic.app. Feedback is also welcome!