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How am I this bad…
I’m so disappointed rn :(
I’ve been buying crypto on Coinbase since may 2021..
I just added up the Coinbase deposits from my bank..
I invested $15,000 over the past 3 years. As of Right now my portfolio is worth only $17,500.
I didn’t realize I was this close to being in the negative…
(I might actually be negative bc I lost 1k or 2k in the last bull market on Robinhood bc I was a noob)
A lot of it has to do with the fact that when Bitcoin was bottomed at 16k in November 22 I didn’t have a job and I was pretty broke... still bought what I could tho
I could’ve bought a whole Bitcoin if I just got a job a few month earlier, and I probably would have too...
I started my job in March 2023 after it already pumped. And got rekt bc I kept waiting for a dip to go all in - but it never did
I got played so hard… after November 22 Bitcoin basically went up and never dipped.
I also bought the wrong coins, I put 5k into xrp at 60 cents last summer, the biggest mistake. Can’t believe it’s .50c rn.
I never sell, only buy. My hands are pure diamonds but my brain is dirt and worms.
I could’ve sold some crazy pumps but chose not to bc I didn’t feel like dealing with taxes…
I just bought all losing coins. I can’t believe I failed this hard.
Listened to so many different YouTubers and crypto shows and Twitter investors with opposing views.. bought RWA and DeFi mostly and they all failed.
Didn’t buy much btc bc I kept waiting for a dip… I eventually fomo’d into btc and eth at 47k.
1k into Quant, 1k into XDC, 5k into XRP These were the worst by far.
My only winners were hbar, chainlink, and ICP.
My wins and losses cancel out, it’s pretty much like i never even bought anything.
3 years buying during a crypto bear market and nothing to show for it at new Bitcoin ath
Why did I not hear about Render until it pumped to $10. Why did I only hear bad things about Solana and how it breaks down and the developers suck blah blah blah.
I get it, I thought I was smart by buying cryptos that “could” be useful in a world where nobody actually uses crypto irl.
I now understand why meme coins make the most money. Bc that’s the reason why we are all here.
All cryptos are pretty much meme coins at this time if you really think about it.
I get it now - but now that I’m slightly dabbling into solana meme coins - watch the meme coin season end and something else that I’ve never heard about be the new thing.
Man I just can’t believe I’m just slightly above breaking even after 3 years…
I am the perfect example of the retail noob idiot I guess

I was displaced due to disruptive maintenance for a month last year, so I filed a T6 after my landlord wouldn’t remedy the situation, and he absolutely lost his mind. He started threatening to sell, threatening eviction, threatened police action, sent fake notices of showings, tried increasing my rent without notice, won’t provide rental receipts, and exhibits very contemptuous and rude conduct towards me. We surprisingly had a good working relationship before I filed the application.
Most recently, he changed his auto deposit settings so now I have to enter a security question and passcode. I messaged him letting him know the code and said that would be the code going forward. He msged back saying it wouldn’t work and accusing me of doing “something differently this time”. Followed by an interact request for additional money. He threatened eviction based on late payment, called me immature and 40 mins after I stopped trying to explain how autodeposit settings worked, he accepted the transfer and said it was resolved with his bank. He warned me not to do the “same thing” next month.
This month, I sent payment and again, needed to enter a passcode. I used the same one as the time before. He has not accepted the transfer and it is the 15th.
I need a new parking garage fob because mine died, and the management office requires owner approval. He denied the request so now I’m unable to get to my parking spot unless I wait for someone else to access it with their fob.
I do not want to move out just because he doesn’t respect me exercising my legal rights. But I also don’t want to endure this harassment any longer, I feel like I’m constantly anticipating his next form of harassment. I’ve called the RHEU and they can’t help. It seems like all I can do is sit and wait for a LTB hearing, but with the garage fob and any other maintenance issues that may arise, he’s going to similarly ignore my rights as some form of retaliation because I simply filed an application.
Any advice for this situation? I’m at my wits end, so any advice is appreciated.

Obvious throw away account FYI.
So I just saw someone's post on here about their band LLC that had to pay $15K in penalties.
And now I'm scared because I did something similar. First off, I AM a big dumb idiot who took advice without fully understanding what I needed to do and I take full responsibility for my actions. I do have an appointment with a proper CPA to go over things, but it's in a week and I'm scared so I'm here.
I started an LLC for a very small business I was operating that finally started to see a little bit of growth in 2022 (roughy $10K from TikTok and other things). I did so because I thought it would just help me out when tax time came around and I could start expensing things easier. I actually never received my Articles of Incorporation in the mail, so I wasn't able to open a bank account, which looking back is probably a good thing. I did however go through the process of getting an EIN for the business.
When I was doing my taxes in 2023 for the year of 2022 I did everything right, I went to a CPA and they filed everything for me and things were good. I however didn't see much of any growth after that so I dissolved the LLC by just not doing the annual report (I know, bad, I'm sorry).
Because of that I didn't think I would need to file taxes for 2023 with that EIN/LLC (I know, bad, I'm sorry). BUT I did still receive like $6K in royalties from TikTok still so I just filed them under my personal taxes with my regular job and paid in for what I owed.
What I'm worried now after learning about things I didn't know I had to consider, like if the IRS didn't see that EIN/LLC filing again, am I just racking up penalties for not filing? Again, I don't know what I'm doing, and from what I was reading it seems like I have three options but also I'm not sure if these are real options:
OPTION 1 Amend the 2022 filing - I think I saw someone post saying you can tell the IRS that business being dissolved when filing?
OPTION 2 Amend the 2023 filing - Instead of filing through my individual self, filing through that EIN and also telling the IRS it's no longer a business then?
OPTION 3 Contacting the IRS and just saying the business is dissolved
I also want to point out, when I login to my account through the IRS I don't see anything other than what I had paid on my personal taxes. I haven't received any letters either. Please be nice, I've been crying since 1am when I saw the initial post. Thank you <3

Bovada Sportsbook Review 2024

Bovada History
Bovada has firmly established itself as the most popular offshore online sportsbook for players in the U.S. Bovada covers a typical range of sports. It has a top-rated reputation for paying customers out on time, and we have always found the customer service at Bovada to be responsive and has multiple ways of staying in contact with a customer.
Bovada was initially part of the Bodog, the brand launched by entrepreneur Calvin Ayre in 2000. Bovada is the U.S. sports betting app, If you are looking for a sports betting sites in Canada Bodog is available today.
Customer Service
The customer service team works 24/7, 365 days a year. Bovada’s customer service team tends to be active across the web’s sports betting and gambling forums. There is chat, email and of course phone options for getting in touch with Bovada. If you are on X then there is a Bovada handle to follow.
Is Bovada safe? The site uses SSL encryption software to keep the connection secure. Bovada has been in business for over 20 years. If it was one of those rip off sites, then it would have gone out of business a long time ago. The team at Bovada has made it a premier offshore site and a large part of the credit goes to the responsive nature of the customer service department.
Website Experience
The Bovada site has all of the sports betting wagers than a US customer would expect. Ease of navigation, betting menu and overall aesthetics. It is easy to browse and the various sports and markets are laid out in an obvious manner. The site is devoid of unnecessary clutter.
The menu at the top of the homepage allows you to choose from the most popular sports, including football, basketball, soccer, and hockey. There are also icons that take you straight through to the live betting section and to a list of all the sports covered. A Quick Links section to the left of the sports betting homepage also alerts you to big sporting events that are about to take place, while you will see the most important upcoming ball games listed in the middle of the page. You can switch from American odds to fractional or decimal odds.
Sports Betting Experience
Bovada offers a wide range of betting options for anyone that likes to bet on sports. All of the major sports are covered, football, basketball, baseball, hockey, soccer, tennis, golf, boxing, and UFC. They also offer smaller markets like, table tennis, badminton, winter sports, and Aussie rules. European sports like darts, snooker, cricket, rugby league, and rugby union will see them covered at Bovada.
As a US focused site, the United States customer will see their favorite sports offered with a large number of bets available. NFL, NBA, MLB and NHL fans will find betting options to choose from on each game. You will often find more than 100 different bet types on offer when you click on an NFL game. The odds include, spread, totals, and win as would be expected. However, Bovada provides fans with alternative spreads and props as well. Yes, Bovada offers same game parlays just like Fanduel and Draftkings do. If you are currently wagering at one of these books then it is worth taking a look at Bovada to see if your bet has a better return at Bovada. Why make an SGP bet for +800 when Bovada is offering +950?
What about European sports? Bovada offers more than 100 betting odds on a big Premier League or La Liga game. Popular betting options such as draw no bet, correct score, and half-time/full-time betting to corners, goal props, and more.
There is also a politics betting section at Bovada. If you want to bet on politics in the US, you must use an offshore site. Political wagers are banned at Draftkings, Fanduel, BetMGM, Caesars and all US located betting sites. It is against Federal law for any betting site located in the United States to offer bets on politics.
Betting Menu Odds
Bovada generally offers everything you would expect from Draftkings or Fanduel. In fact, when Draftkings & Fanduel first started out, they were just clones of Bovada.
Mobile Betting App Review
The Bovada betting app is a browser extension. Bovada offers a mobile betting interface with all of the qualities of an app but with one big difference. An app from the Google or Apple app store would also include a lot of spywares. Your every movement would be tracked. This is how BetMGM and Caesars apps operate. They have access to all of your phone calls and text messages on your app. Bovada doesn't operate like this. There is fare more personal privacy with using a browser extension than using an Apple spyware app.
Casino, Poker, and Other Gaming Options
The Bovada site includes sports, online casino, live dealer, poker, and horses. The online casino at Bovada is one of the largest casinos in the world and will satisfy 95% of online casino customers. Casino games including blackjack, table games, slots, and specialty games. The casino section displays a collection of featured games when you arrive, made up of classic slots, popular table games, and Bovada is constantly adding new games to satisfy the US gaming market. The video poker has 17 different game options such as; Deuces Wild, Joker Poker 52 Hands, and Double Double Bonus Poker. There is also a large variety of live dealer games.
Reputation
Is Bovada legit? The site has been around since 2000. It is not one of those betting sites that comes and goes in a couple of years. Bovada has been around for over 20 years because of customer loyalty. The customers know that the Bovada motto, "never missed a payout" is vital to staying in business. Bovada has also stayed in business this long by evolving to meet the changing desires of the US betting market. When customers want a new type of bet or a new casino game. Bovada responds.
Bovada Pros

• Generous welcome bonuses for crypto
• Excellent referral bonus
• Bonuses are credited instantly
• Easy to claim and use the bonuses
• Large betting menu
• Rewards points can be exchanged for cash bonuses
• Support for multiple languages, including English, Spanish and Portuguese

Bovada Cons

• The non crypto bonus for sports maxes out at $250
• While Bovada operates in 46 states, it does not take bets in DE, MD, NJ, NV.

Bonus Codes
Bovada Casino Bonus Codes & Free Spins

• CAWELCOME — First-time players can get a 100% match deposit bonus (up to $1,000)
• BV2NDCWB — Earn a 100% match deposit bonus (up to $1,000) on your second and third deposits
• BVCBITCOIN150 — Bitcoin users will receive a 150% first-time deposit bonus (up to $1,500)
• BVCBITCOIN150 — Get a bonus (150% up to $1,500) on your second and third Bitcoin deposits
• BIGLEAGUES - No deposit bonus code, you get 25 free spins on the slot game 777 Deluxe

Sports Bonus

• BVD1000 Sports Betting Bonus of 50% on 1st deposit up to $1,000
• BTCSWB750 – Sports betting bonus code for deposit with Crypto. Get 75% match bonus up to $750, valid with a Bitcoin, Litecoin, Bitcoin Cash or Bitcoin SV Deposit. Rollover is 5X Sports

Poker Bonus

• PWB500 — poker players get a 100% match deposit bonus up to $500 on their first deposit

Using Crypto
Bovada offers better bonuses and quicker withdrawal times if you use crypto. If you are new to crypto and need a guide to getting started. Bovada offers an online video series on how to setup a crypto wallet. Purchase crypto and how to deposit & withdraw from Bovada.
See videos on how to setup a crypto wallet and make your deposit.
Video – How to Get Started Using Crypto
New To Crypto?
Registration Screen
This will be your first step to opening an account with Bovada
You will need to provide the following:

1. Your First and Last Name
2. Your Date of Birth
3. A mobile number for verification
4. An email address for promotions and verification
5. Preferred currency. You do NOT need to make all withdrawals & deposits with the choice.
6. Your Zip Code. Bovada does not accept bets in: Nevada, New Jersey, New York, Maryland, or Delaware.
7. Click on verification text or email. Bovada Registration Screen. This will be your first step to opening an account with Bovada. You will need to provide the following. Your First and Last Name Your Date of Birth A mobile number for verification An email address for promotions and verification Preferred currency. You do NOT need to make all withdrawals & deposits with the choice. Your Zip Code. Bovada does not accept bets in : Nevada, New Jersey, New York, Maryland, or Delaware. Click on verification text or email.

Making a Deposit

1. Login into your Bovada account
2. In the upper right will be an account icon
3. Your account deposit / withdraw screens & available bonuses are here
4. Choose deposit
5. Choose deposit type
6. Choose deposit amount
7. Choose your bonus (if you want to search your bonuses, click here before choosing type & amount)
8. After making a deposit a verification screen with reference number will show
9. Once a deposit is confirmed, you are ready to start gambling. Making a Deposit at Bovada Login into your Bovada account In the upper right will be an account icon Your account deposit / withdraw screens & available bonuses are here Choose deposit Choose deposit type Choose deposit amount Choose your bonus (if you want to search your bonuses, click here before choosing type & amount) After making a deposit a verification screen with reference number will show Once a deposit is confirmed, you are ready to start gambling

Choose Your Bonus
Scroll down to choose your bonus before deciding what amount you will deposit. There may be additional bonus offers available that are better than the one you were going to use.Choose Your BonusScroll down to choose your bonus before deciding what amount you will deposit. There may be additional bonus offers available that are better than the one you were going to use.
Bonus Screen
The "Choose Your Bonus" Screen
If you click on this, every bonus that you are currently eligible for will show. This is not just for new customer's initial deposit. This is the screen that will have all bonuses, including retention bonuses.
The Bonuses will have important information on them.

1. Type of currency
2. Type of game the bonus can be used on
3. The amount of the bonus
4. The minimum and maximum deposit
5. The rollover requirements if you choose this bonus. Bovada Bonus Screen. The "Choose Your Bonus" Screen If you click on this, every bonus that you are currently eligible for will show. This is not just for new customer's initial deposit. This is the screen that will have all bonuses, including retention bonuses. The Bonuses will have important information on them. Type of currency Type of game the bonus can be used on The amount of the bonus The minimum and maximum deposit The rollover requirements if you choose this bonus

Deposit Verification
Once you have chosen a bonus type and made a deposit. You will receive confirmation of your deposit. If you think there is a mistake. Contact customer service immediately so it can be corrected.Bovada Deposit VerificationOnce you have chosen a bonus type and made a deposit. You will receive confirmation of your deposit. If you think there is a mistake. Contact customer service immediately so it can be corrected.

What are the deposit limits?

Limits are based on the deposit method chosen. Please refer to the chart below, the limits indicated are on a per transaction basis:
Method Minimum Maximum
Visa/MasterCard * $20 / $1,500
BTC, BCH, BSV, LTC * $10 / $5,000
ETH * $50 / $5,000
Player Transfer * $10 / $15,000
Direct Bank Transfer * $50 / $450
MatchPay * $20 / $1,000
USDT * $5 / $5,000
\Deposit limits may differ per account; please check your limits in the cashier page for more information*
\*Amounts are in USD market equivalent; however, as these can fluctuate - Litecoin (LTC) and Ethereum (ETH) deposits of less than 0.01 LTC/ETH or Bitcoin (BTC) deposits of less than 0.0002 BTC will not be honored.* What are the deposit limits?Limits are based on the deposit method chosen. Please refer to the chart below, the limits indicated are on a per transaction basis:

Making a Withdrawal at Bovada

Once you have chosen the type. The next step is to choose the amount.
After selecting Request Withdrawal - below a "Reference Number" will be generated. If you have any questions about your withdrawal. Contact customer service and provide this number as verification for your withdrawal.
Before you withdraw, take note of the following:

• The amount of your withdrawal request is deducted from your account balance immediately for the review stage.
• Withdrawals are processed on a first-come, first served basis and take approximately 24-48 hours to be reviewed. With Bitcoin, Player Transfer and Voucher takes about 24 hours for approval.
• Delivery time frames vary depending on your method of withdrawal and can be viewed on the withdrawal screen for each method.
• We're unable to ship a check by courier withdrawal to a P.O. Box or military address. Double check your address on file to avoid any delivery delays.
• A $100 processing fee will be charged for each Check by Courier withdrawal request.
• Checks requests exceeding $3,000 will be sent incrementally every 7 days until you are fully paid out.
• Cryptocurrency (BTC/BCH) requests exceeding $9,500 will be sent incrementally every 3 days until you are fully paid out.
• Should you lose or misplace your check, a STOP PAYMENT fee of $40 may be charged before the funds are returned your account. Deposit your check as soon as possible as it may become non-cashable after a period of time. The STOP PAYMENT option is unavailable on checks older than 6 months.
• Withdrawals via Bitcoin will not be processed until all deposit transactions have been confirmed.

When will I receive my withdrawal?
When you request a withdrawal, the funds are deducted from your account immediately.
All requests are then reviewed, in the order in which they are received and the timeframe depends on the type of request you submit.
Once approved, delivery times may vary from one withdrawal method to another. Check the estimated time frame by clicking the method on the cashier page.
If you’re looking for the fastest payout, we recommend using our cryptocurrency methods. Once requested, it'll take about 24 hours for approval. Compare the time frames below:

• Bitcoin: Up to 24 hours from when your funds are approved.
• Bitcoin Cash, Bitcoin SV, Ethereum, USD Tether and Litecoin: Up to 1 hour from when your funds are approved.
• Check by Courier: Approximately 10-15 Business Days via courier once your withdrawal is approved within 24-48 hours.
• Bank Wire: Once your request is approved within the mentioned timeframe, it takes approximately 10-15 business days to reflect on your bank statement.

Understanding the Rollover
If you do not understand what a rollover requirement is then please take the time to read.
What is rollover?
Rollover, or playthrough, is the total monetary amount of bets (aka handle) you need to place in order to cash out your bonus along with any winnings attached to that bonus. When it comes to Rollover, your wins and losses don’t matter, each qualifying bet contributes to handle, and the Rollover required.
Sportsbook Details:
Meeting Rollover in our Sportsbook is a tad different. For winning wagers we’ll credit the lesser of the risk amount or win amount. If your bet loses, your risk amount contributes toward Rollover no matter what. However, bets graded 'No Action', a tie or Pushed bet, along with canceled or voided bets, do not contribute in any way to the playthrough requirements of a bonus.
Casino Details:
There are also some games in the Casino that contribute differently to your requirement.
For full bonus details, including the Playthrough Requirement for your bonus, click the drop-down menu or Bonus Description.
If the bonus you’ve claimed is a Deposit Match, the requirement is a multiplier of the Bonus + The Deposit Amount:
Ex. Deposit $100 + $100 Bonus = $200 X Rollover Multiplier (Varies by Bonus)
Biggest Complaint at Bovada is the Roll over If you do not understand what a rollover requirement is then please take the time to read.What is rollover?Rollover, or play through, is the total monetary amount of bets (aka handle) you need to place in order to cash out your bonus along with any winnings attached to that bonus. When it comes to Rollover, your wins and losses don’t matter, each qualifying bet contributes to handle and the Rollover required.Sportsbook Details: Meeting Rollover in our Sportsbook is a tad different. For winning wagers we’ll credit the lesser of the risk amount or win amount. If your bet loses, your risk amount contributes toward Rollover no matter what. However, bets graded 'No Action', a tie or Pushed bet, along with canceled or voided bets, do not contribute in any way to the play through requirements of a bonus. Casino Details: There are also some games in the Casino that contribute differently to your requirement. For full bonus details, including the Play through Requirement for your bonus, click the drop-down menu or Bonus Description. If the bonus you’ve claimed is a Deposit Match, the requirement is a multiplier of the Bonus + The Deposit Amount:Ex. Deposit $100 + $100 Bonus = $200 X Rollover Multiplier (Varies by Bonus)
Current Bonus Codes
Bovada Casino Bonus Codes & Free Spins

• CAWELCOME — First-time players can get a 100% match deposit bonus (up to $1,000)
• BV2NDCWB — Earn a 100% match deposit bonus (up to $1,000) on your second and third deposits
• BVCBITCOIN150 — Bitcoin users will receive a 150% first-time deposit bonus (up to $1,500)
• BVCBITCOIN150 — Get a bonus (150% up to $1,500) on your second and third Bitcoin deposits
• BIGLEAGUES - No deposit bonus code, you get 25 free spins on the slot game 777 Deluxe

Bovada Sports Betting Bonus Codes

• BVD1000 Sports Betting Bonus of 50% on 1st deposit up to $1,000
• BTCSWB750 – Sports betting bonus code for deposit with Crypto. Get 75% match bonus up to $750, valid with a Bitcoin, Litecoin, Bitcoin Cash or Bitcoin SV Deposit. Rollover is 5X Sports

Bovada Poker Bonus Codes

• PWB500 — poker players get a 100% match deposit bonus up to $500 on their first deposit

On 22nd April, Ryanair accepted my claim and said it would be processed and deposited in my bank account within 2-5 working days. It still hasn't arrived.
Chat support today said it would take 6-8 weeks. I asked why it had changed, and the agent just kept repeating "is there anything else I can help you with?"
Is there a time limit by which they have to pay?

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Please note this is the original submission I sent Refinery29. In the current post,they have given me a second credit card with a 100$ balance, as well as generational trauma from World War II and cut context for other things. I am trying to get that fixed.
Per previous discussion in comments here: The espresso machine is a Bezzera, which ranges from 2-5K. We got ours on sale for 1.7K, it’s a work house and we use it everyday, still hurts that we spent that money on a coffee maker.
I do understand mortgage is debt but when you compare it to rent to a lesser value condo in Vancouver it feels like not debt at all, which is how I tend to think of it. Yes I owe my mortgage but also I get my house instead of renting-which may not have become clear.
Please see in full the diary, below (edit for formatting via mobile)
Occupation: Sr Business Analyst
Industry: Tech
Age: 30
Location: Vancouver Island, BC
Salary: 92,000$ (Spouse makes 60,000$ for a combined income of 152,000$ before tax)
Net Worth: ~ 1.2 Million ( house is valued at 989,000$ currently, we have a combined 150,000 in pension, and ~60,000 in various company stocks, and GICs)
Debt: 3,000$ in a zero interest credit card for a 10 month period. We balanced transferred and pay 400$/month. Debt was acquired in Q4 2023 when we had to buy Snow Tires, and do a full break replacement as well as Christmas. 480,000$ in a mortgage, we refinanced in September 2023 for five years fixed rate at accelerated biweekly, however I don’t consider our mortgage debt due to the equity we are gaining, and that our mortgage for a five bedroom, 3 bath single family home is less than rent for a two bedroom condo in Vancouver
Paycheck Amount (Every 2 Weeks): 2,555$ after taxes. (Just mine). Spouse makes 2,308$ after taxes. Our pay periods are alternating.
Pronouns: She/her
Monthly Expenses Mortgage: 1450$ biweekly (100$ extra to the principal).
Utilities: ~200$ (includes water [paid quarterly], hydro [paid bimonthly], gas, sewetrash [paid quarterly] phone [highly discounted due to work plans for spouse and myself] and car gas) Loan Payments: 400$/Credit Card
Car Insurance: 84$
Life Insurance: 167$ combined (67$ me, 100$ spouse)
Health & Dental Insurance: 60$ deducted from pay (coverage for myself and spouse from my employer. Spouse also has coverage for both of us deducted from pay)
Retirement Contribution: 400$ (Employee matches me), (Spouse has a defined pension through work and contributes ~200$ month)
Union fees: 70$ Spouse
Subscriptions: Crave 22$/month (Recent splurge for Binge watching the Rookie), Playstation Plus 100$ (annual bought on Black Friday Deal), Amazon Prime 80$ (Annual), BCAA 120$ (annual) Gym 30$/month (we both have one so 15$/pp)
Note: My spouse and I have completely commingled finances. I will be tracking both as it’s essentially I spent whatever they spent
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
There was always the expectation. My father was very clear, we were very smart. There was no way we’d be wasting our potential. He wanted me to be a lawyer, but unlike other immigrant parents, I got to choose my major and went into social sciences and got my masters in history. I deferred my PhD too much so I got dropped by the program.
I chose my university by where I got a full first year scholarship and then after that took about 15k in student loans for my undergraduate. My parents paid my rent and I got a part time job for food.
For my masters, I had a student line of credit and 5 k student loans otherwise it was all my savings and scholarships. With the line of credit, I had a total of 30K in student loans and paid it off in about four years.
Growing up, what kind of conversations did you have about money? Did your parent(s)/guardian(s) educate you about finances?
Save. We talked about how you get a dollar allowance and half of it goes into long term saving with 25% in short term and 25% in spend.
Investing came after I was eighteen. Family would like us to invest in property, however I don’t really want to be a landlord, but also we wouldn’t get to really enjoy profit of owning a rental property due to other family circumstances.
What was your first job and why did you get it?
Ice cream parlour I was twelve and my parents made me get it for responsibility. I lasted three weeks because I hated it.
Did you worry about money growing up?
I grew up thinking we were not rich, because we didn’t get big plane vacations (I didn’t count flying from Toronto to Vancouver every summer as a vacation since we were just seeing family but staying in a house my parents owned) and I had only been to Disney twice.
But we had a big new build house in the rich end of town, my mom stayed home to raise all of us. We had to work for things (like going to see a movie opening night or a new CD) but we always had money and got what we wanted. In retrospect, my family was/is fairly well off.
Both my parents grew up poor, with parents working multiple jobs and different shifts to make ends meet, the strive/drive to not have that childhood, and for my father to be able to retire his parents really impacted mine and my siblings and cousins lives. My father showed me the apartment he grew up in Chinatown a few years back. It’s light years away from the house my grandparents owned when I was a kid and how I grew up.
Do you worry about money now?
Of course. Inflation is real and we are actively planning a wedding for the next year, as well as a baby in the next few years. We also need to buy a second car, so we’re saving for that.
At what age did you become financially responsible for yourself and do you have a financial safety net?
Fully financially responsible? Twenty five. I lived in a family property where I didn’t pay rent in one of the most expensive cities in Canada, so even though I paid all my bills (food and phone), I didn’t have to pay rent. I in fact made money, as I rented rooms out and used the income for house utilities, and paying my student loans down faster. When I moved in with my spouse, I just paid condo fees until we bought our house two years ago which gave me plenty of time to save.
Our financial safety net is family, and our savings. I know my family would bail us out. My spouse’s father would as well. Conversely, we are my spouse’s mother's safety net and we have to keep all our plans in mind that we will be subsidising her.
Do you or have you ever received passive or inherited income? If yes, please explain. Yes, I received 50K from my parents once they sold my childhood home, as did both of my siblings. I have also received 10K from one set of grandparents which paid off my car and part of my student loans when I was 21. I will be receiving another inheritance when probate is done for around ~100K. My spouse also has received inheritance which allowed them to buy their first condo in their early twenties when the market was much better. That condo, 50k, and the subsequent upgrading helped us afford our house.
Day 1
10 AM: I drive to the pharmacy to pick up a prescription. Not how I want to start my Sunday morning but y’know. Normally I’d walk since it’s about 20 minutes but I have a UTI. I’m “lucky” that despite not having a dr because of the health care shortage, my work pays for the Maple app so I could get a dr to write the prescription and order the lab work at 1 am. I’ll do the lab work later this week when I can get an appointment but will take the relief now. Insurance makes the antibiotics free, but I also buy hydrogen peroxide because we’re out and we have a dog that thinks everything is meant to be in her mouth. We’ll buy a bigger one at Costco later. I also bought some oral wound mouthwash because we were out. I come home and my spouse made us breakfast.
Total: 15.90$ paid with debit.
1-2:30 PM: We do our taxes. I have a mini meltdown when I realize the part time bakery job I had for a few months didn’t take off income tax last year, so I owe 800$. Luckily, my partner is getting a refund so we net out positive 400$. The bakery took off income tax in 2022, so unsure why they didn’t in 2023. I made us lunch.
3-6:30 PM: We walk the dog, and watch the Rookie. Some time during that time period, a venue emails us back and is surprisingly affordable at 3k. I also get told that the tattoo artist I want to book with, has not chosen me.
6:30-7:30 PM: I explain what lazy girl dinner is to my spouse and make a lazy girl dinner. After not really grocery shopping since Feb for things besides fresh veg, we need to do a big pantry shop and neither of us want that. We debate about buying a food saver and if we should wait for a sale. My spouse is more frugal than me and has determined we should.
8-9:30 PM: We start season 3 of The Rookie, and then after two episodes we go to bed
Day One Total: 15.90$
Day Two
5:45-8 AM: Wake up and start work. I get up to date with what’s happened on the weekend and check that my automated reports. Sometime before 6:30, I get the kettle on for my spouse’s pour over before I go back to my meetings. There’s a twenty minute gap where I get changed and do my skin care and brush my teeth. I’d love to be a skin care person but honestly I’ve spent too much money on product that I don’t use and that just goes bad. Washing my face and using sun screen is a win.
I also make sure that Spouse’s lunch is in his bag and I get our travel mugs ready. Before, we used to go to Starbucks every day. Starbucks used to do free refills on coffee and tea if you were a rewards member if you bought a coffee or tea so it would cost us $5/day (2.5/pp), and we could get refills all day. While that’s 20$/week, 80$/a month and yes, we could have saved it but back then, that 80$ wasn’t turning the dial anywhere significantly for us—a privileged view.
But now, after COVID where I stopped drinking tea after one day working from home having like 10 cups and thinking I was dying, and Spouse has bought a good grinder and we recently splurged on a stupidly expensive espresso machine we call his Engagement Espresso since it costs the same price as my stupidly expensive ring, we bring our coffees.
8-8:30 AM: We drive to work. Prior to buying our house, we were both work from home and lived in a city with amazing transit. We only needed the one car. Since buying the house and moving to a city where public transit is a joke (the one bus goes past our house every 1.5h), Spouse changed jobs and is in office every day and I have to go in 3 days a week. We need a second car or the e-bike rebate to come through. We debate this in the car, since I’m done at 1 pm, and Spouse works normal hours, I either have to take the bus home, or go to the gym for three hours. Today though, I drop Spouse off. I will pick him up later as he has a half day because of the dentist
8:30-12:30 AM/PM: Work. I find a tech manager and ask them to get me more triple a batteries. Work won’t provide or let me expense batteries for my mouse, despite them replacing my usb mouse with a battery one. The poor admin had to tell me the decision is that we’ll all supply our own batteries. Luckily the tech managers have to have batteries on hand and give them out freely.
I ask my boss how the work from home tax forms work, and he is going to find out.
I run more meetings and work on a request for a dashboard and a business case for a new feature that I have to convince leadership to spend money on.
12:30-1 PM: I drive back to my Spouse because he has a dentist appointment.
While I wait for a spouse, I am incredibly hungry. I’m usually not hungry/don’t eat a proper meal until around 1 in the afternoon and my two granola bars I already ate at the office. I go to the bakery by Spouse’s work and buy a cheese bun for me (3.65$), and an apple pie scone (2.55$) for Spouse as a snack. Spouse points out he won’t be able to eat until after his appointment.
Total: 6.20$ debit
1-1:30 PM: I drop Spouse off, and the car stops working. The engine won’t catch. I try multiple times and then run into the dentist to dramatically announce to Spouse and the receptionists that the car won’t start. Spouse asks me what he wants me to do about this, since he’s about to go into an appointment. A very kind receptionist tells me it might be the alternator. I don’t know what that is.
I go back to the car to Facetime my father. He also asks what I think he can do to help since he lives 3000 km away. Weirdly, and sexistly, I thought a man who grew up at race tracks, in a racing family, or the man who has collected and worked on sports cars for forty years might be able to help.
Spouse texts me to remind me we have BCAA while my father also tells me that. I finally get the engine to catch and drive the very long way home, going the speed limit and getting stuck in traffic, construction and a bus. It takes me 20 minutes to get home instead of 10.
1:30-2:30 PM: I walk the dog, mail a (late) birthday card and then start researching what an alternator is. The car is over a decade old and until the house, the most expensive thing I ever bought at 12K back in 2015. We have the funds for the cost, but it’s my first car and the fact it might be the end of its life is scary.
Alternators can cost between 400-800$ repair with labour, so that’s fun.
My dad calls me back and apologises for asking me what he could do away. He advises me that there’s probably a bald spot on the alternator and advises me to go to the mechanic to check or replace it, if the car doesn’t start again.
I call the mechanic to book an appointment, and to also get the snow tires off and to buy new rims for the snow tires. The mechanic lets me know that the alternator part is 500$, and an hour of labour so with taxes we’re looking at around 700$
That future appointment next week (we’re going down a highway this weekend which requires snow tires) will cost ~1.5K, assuming we replace the alternator.
I make lunch and sigh.
2:30 PM: The car starts thankfully. I drive incredibly slow. I pick up Spouse by idling the car. We get an email back from a venue saying they cost 75,000$ minimum. The timing is hysterical.
Due to the nature of the dentist, Spouse owes 618$, as they haven’t flipped it under my insurance. They split it in half, as he has a follow up in two weeks. After the next appointment they will flip the whole amount under me and we’ll get reimbursed for the whole amount.
Total 309$/credit card.
3-10 PM: We walk the dog, make dinner (Spouse makes white sauce pasta, with chicken and peas) and watch The Rookie. There are thirteen episodes in season three, and we will be busy every night this week besides Friday and Sunday, and I would like to finish season three so we can start season 4 next Monday. I don’t want to pay for more than one month of Crave. We have five episodes left
Day Two Total: 315.2$
Day Three
1 AM: 100$ is automatically transferred from our account to the credit card debit. We have an auto transfer of 100$/every Tuesday to a Visa where we balance transferred both our cards. We have an offer for 0 interest for 10 months, so we did that for some of the bigger expenses (snow tires, break replacement and general Christmas) and are on track to pay it back within the next 6 months. That visa is our emergency card that we just have in the back end and utilise for promos like this. It allows us to keep our two cards balances manageable and lets us pay in an easier way than taking big chunks out of our various savings.
Total: 100$/direct deposit
5:45-9 AM: Work. Meetings, reports, trying to convince a colleague that the process does include them and refusal to follow it means that their requests won’t be done. Spouse has another half day so I can go into the office at my leisure—if the car starts
9-9:20 AM: The car starts, I get into the office and refresh a data flow before a meeting with a new stake holder. It takes longer to drive into work today because the tourists are starting to come and their van builds or campers are not exactly highway speed and with a two lane highway, if you don’t merge over fast enough you’re stuck.
10:05-10:20 AM: Meeting done, car starts again and I drive home for more meetings. The least amount of time in the office is preferable for me.
10:30-11AM : Meeting with my manager where we discuss future salary and promotion. I am due for a promotion in the start of Q2, which would push me to six figures. I’ll believe it when I see it but, I’m really excited at that possibility for my family.
11:15 AM: Spouse leaves for work, we discuss what groceries are needed, as well if he’ll go to Home Depot tonight to buy more clover seeds for the yard, as we need to reseed before it starts raining. I eat a muffin and my dog and cat decide to try and eat each other.
11:15-1:30 PM: Work runs late. There’s some issues with the data and we can’t figure it out. We call it a night, and I’ll record the video presentations tomorrow, once we fix the data.
1:30-4 PM: Nap time! It’s bad for me, but honestly I don’t sleep well during the night so naps are what keep me alive.
4-6 PM I prep dinner (smash burgers and fries), and get chores done and walk the dog.
6-7:30 PM: Spouse comes home, we eat dinner. Groceries come to 96.83 for two 7 pound pork loins, two packs of bacon, chicken nuggets, coffee, pop, 8 pack of peppers, milk, tomato, pickles, rice, avocado, mushrooms, sour cream and lettuce.
Not too bad, we average about 300$/month in groceries because we can buy bulk and have a second freezer.
For the month of March we are currently at 123.61$ for groceries and there is twelve days left. We went on a small weekend away, so we ate out a fair bit but even then our current food budget is 272.27$ today.
Total: 96.83/ debit
7:30-10 PM: Spouse makes a coffee and plays video games with his friends. They do it every week. I have a shower, fold and put away laundry and read in bed.
Day Three Total: 196.83
Day Four
1AM: Our biweekly accelerated mortgage payment comes out of 1450$. I’m tracking it here to be honest on our spending but I tend not to think of it as money spent because in my head it’s already money gone. To pay for a house equivalent in Vancouver, the mortgage would be over 6k. Renting a two bedroom condo would be 3K. It feels like the mortgage is just cheaper rent, even though each time I own more of my house.
5:45-9 AM: Work. I find out the limits of how many people I can invite to a Teams Meeting as well as that the Thursday before Good Friday is a catholic holiday when a few people ask me to reschedule a training forum for over a thousand people. Sometime in there I make us coffee, make sure Spouse has lunch packed (leftovers). Spouse has walked the dog and has the recycling and compost out for pick up. I drop Spouse off at work.
10-11:45 AM: I leave the office for home and more meetings. I walk the dog and go record training videos. I get an email that Amazon is doing their big spring sale. I send a link to a robot mop and vaccum that’s on a big discount to Spouse. We want one, but I’m not in charge of the research on it. I send links to play grounds to my friends with toddlers
11:45-12:30 PM : I shove lunch in my mouth, last night’s left overs. I’m running late, and decide to get myself later by collecting all the random dishes and mugs that just show up places and start the dishwasher. I get to the lab ten minutes early but need to buy gas on the way home.
I tell my team I’ll be MIA for a bit and leave the work phone in the car.
I buy 15.6L of gas for 30$ at 1.879/l it sucks. I don’t fill up because we’re going to my in laws this weekend and there’s a Costco Gas Bar there.
Total: 30$/credit card
12:30-1:30 PM: Work goes long again.
1:30-2:30 PM: Nap!
2:30-4:30 PM: Walk the dog and drive to the gym. I usually go three times a week but with last week’s weekend away and this week’s weird half days from Spouse, today’s the only day. I make it up by doing both upper and lower body and a 30 minute circuit.
4:30-7:30 PM: I pick up Spouse and we go to Costco. We pick up nachos, ham, cheese buns and some other items. We debate buying our friend’s kid a toddler set of clothes and decide no. We end up buying work pants for Spouse, and a garden hose. It comes out to 116.90
I order our Costco dinner of hot dogs and fries for a grand total date night of 6.41$
Total: 123.31/ credit card
8-9 PM: Dance class! We bought a series of six lessons of introduction to ballroom back in December for a new date night idea. We paid 60$/pp and this is the fifth lesson tonight.
9 pm: We’re home, we let the dog out. Spouse spends an undetermined amount of time watching ballroom videos while I sleep.
Day Four Total: 1603.31$ or 153.31 excluding the mortgage payment.
Day Five
5:45-9 AM: Work. All the meetings. Thursday is the meeting day. I debate with a friend what’s the earliest call we’ve had. 4:30 am still wins. I pack lunch for Spouse and his coffee and he leaves. I end up cleaning up cat puke as the cat decides to drink milk from Spouse’s cereal and vomit it up on camera in a meeting.
9-9:30 AM: I make myself a matcha and walk the dog.
9:30-1 PM: Work and I treat myself to a lunch of a cheese bun and ham sandwhich. We used to eat it every Sunday while growing up but the cost of ham has been outrageous. The deal at Costco yesterday was 1.5$/100 g which is really good.
1-1:30 PM: I seal the wooden deer Christmas decoration we bought last year. It sits outside our front door and needs to be weather proofed, and I’ve been putting it off for five months. But the weather is good and we have newspapers. We have left over wood sealer after the sign we bought a year ago so I use that. The dog and the cat both don’t like my wooden deer.
1:30-4 PM: Nap!
4-5 PM: I basically just watch youtube and drink a root beer. I have no energy.
5-6:30 PM: Spouse comes home, we walk the dog and I make dinner (Kraft Dinner and nuggets–I swear we eat veggies but today is not that day). We discuss the possibility of our dog at our wedding as a flower girl, and if she’ll be in a tutu or a cheongsam like me. I am now researching if they make dog cheongsams and if she can match us. The cat, despite all my heart wanting it, won’t physically be there because he will have an anxiety attack and probably die.
6:30-10:30 PM: Board game night! We go to a friend’s to repeat the same scenario we’ve lost two weeks in a row.
10:30-11 PM: I pack Spouse’s breakfast (oatmeal and frozen berries), lunch (spicy tuna and mayo) since he’s trying to go to the gym before work, and feed the animals before we go to bed.
Day Five Total: 0$
Day Six Friday
5:45-9 AM: Work. I have a deep focus block which means I can get the script for the training I have to run. Public speaking is not my strong suit and it’s a group of a thousand people so I’m not looking forward to it. Spouse almost makes it to the gym. I get an email that my new work phone has shipped. I’m surprised because they wouldn’t order us any for the past four years, but I guess my new iPhone will show up next week. I might give my old work phone to my mother in law, since she smashed the camera on the phone we bought her last year.
9-9:30 AM: I walk the dog, make a matcha and make a todo list for what we have to get done before we leave to my in laws tomorrow. I text my mother in law happy birthday, and hope that she got the card in time. She did.
9:30-11:30 AM: My last meeting for the week ends and I’m debating calling it a day so I can nap. Instead I make lunch (cheese bun and ham), text my other mother in law our plan for Saturday, and unload and reload the dishwasher and go back to work for at least another hour.
12:30-1 PM: I shower and do skin care
1-3 PM: Nap! Somewhere in this time FedEx comes and since I’m sleeping, we have to pick up on Monday. I’m not too sure what it is, I assume it’s our custom address stamp from Etsy because that’s the only thing I’ve bought recently but not too sure. I just realized in retrospect, this might be my new work phone.
3-5 PM: I prep dinner (nachos), unload the dishwasher, pack my overnight bag and confirm all our venue tours by email. I start a load of laundry and do a quick clean. I feel like this is not the best image of our diet. I swear we generally eat healthy but we both have been feeling really blah over the past two weeks so have been going for quick and easy over healthy and balanced. I do have three whole peppers and two whole avocados in the nachos though.
5-7 PM: Spouse comes home, we walk the dog, have dinner, and plan out next week. We have a big Wednesday next week (mechanic, I have a nails appointment, dance class), and we are having our friends over for Easter so we need to prep for that. We pack the car so tomorrow is a very easy start.
Spouse also gets paid today. We’re lucky that we’re on alternating pay periods, we used to be on the same and it always felt stressful. Spouse also lets me know his union has secured a 3% cost of living raise to start in Q3. I really like his union for negotiating a base 2% year of cost of living raise, with potential addition raises depending on inflation. It’s a bit away but that’s still good news.
7:30-10:30 PM: We finish The Rookie Season 3 and head to bed. Crave reminds me that I have 10 days until I’m charged again. Sadly, I think we’ll have to pay for 2 months.
Day Six Total: 0
Day Seven Saturday
8:30-9:30 AM: Wake up. No one (except the dog) slept well so we’re not in a morning mood. Spouse makes coffee and walks the dog, while I finish packing the car and give the cat a lot of attention. Our first venue tour is at 11 and the one that is the most expensive (8-10K), but also the one we probably want the most. We live about an hour away but the highway is two lanes and one accident can back everything up for hours.
10:40-1 PM: We visit our dream venue. We stay way longer than expected. Basically if the quote is under 10K, we’ll get it. Just waiting now.
1-2 PM: We get to our in-laws and have a lunch of egg salad sandwhichs. We need to buy gas. My in laws drive us to a pottery painting store.
2-4 PM: We paint pottery. My mother in law only wanted to do this for her birthday. They’ll pick it up in a week after it’s been thrown. I paint a vase (28$), Spouse paints an Easter egg (18$), father in law paints a mug (30$), and mother in law paints a plate (50$)
Total:143.36/credit card
4-5 Pm: We see another venue. It’s an instant no. My in laws decide they want to try Korean fried chicken. We call ahead for take out to get two fries and 16 pieces of half and half. It comes to 50.83$ that my in laws pay for.
5-10 PM: We come back and see that our dog has pooped in their house and also has gotten into their pantry and eaten an entire bag of dog food. It is not a fun night.
We spend the night drinking wine and discussing the wedding and watching TV.
10PM: We go to bed. That’s the end of this week, but tomorrow we will be buying gas and probably lunch for my other mother in law as we will be touring another venue.
Day Seven Total: 143.36$

Hi All! I would like some opinions on a situation I am in. I rented an apartment in Orange County, CA from Feb 2022 through Feb 2024, move out date was March 1, 2024. There was some damage to the place (a broken door, fixing of a chip in the counter, and a broken fridge door handle). Of course normal wear and tear, like scuffs on the walls, worn carpet.
Per the lease and CA law, the landlord has 21 calendar days to send me a final bill of charges due, including if any of my deposit was used to pay for repairs, etc. CA allows for landlords to make "good faith estimates" of charges, if a final bill from their vendors is not yet available. And I am to receive a hard copy bill via USPS, NOT email unless I previously agreed to it.
I turned the keys in March 1st. I received a final notice of charges on March 19 (18 days after move out) via email of $295 owed, after my deposit of $500 was used for repairs. Ok fine, not contesting that, but I noticed that this bill did not have a breakdown so I called to request it on March 22. I did not pay at this time, as I was waiting for the itemized statement which they said would be sent to me in 3 to 5 business days.
I received the requested statement on April 12th, via email. 42 days since move out, but it included an additional $400 on it. I called on April 15th and pestered the agent with questions and was told (paraphrasing): the added $400 was for carpet replacement, that they didn't have the final charges yet when the bill was sent out on March 19th, only estimates, so that is why they weren't included in the 2nd bill. Even if I had paid in full on March 22nd, I would still have been liable for the additional $400 and would have received the 2nd bill either way.
I paid the initial charge of $295 at that time, and told the agent I was contesting the validity of the 2nd bill because it was sent past the state's time frames. I got an email on April 17th essentially saying 'you did the damage, you pay'. On May 2nd, I wrote an email contesting the 2nd bill for the reasons I stated above, but mainly that it arrived way past the timeframe set by the state and lease.
I got a response today May 15th, saying (paraphrasing): that I was to return the apartment in the same condition as I got it, but the carpet wasn't pristine so I still owe the $400, and that they did mail me a hard copy, so I must pay immediately or be sent to collections.
My issues & arguements are: 1) the 2nd bill with an additional $400 charge came past the 21 day state's rule. 2) to this day I have never received the hard copy and they did not show me where I agreed to only email. 3) they did not list any good faith estimates on the 1st bill even though they had them available. 4) a pre move out inspection was scheduled for Feb 28th but no one ever showed. I was there all day and not even a phone call or email. And 5) it was their error to not include the $400 charges on the 1st bill, not mine.
If I had gotten the full charges in the 1st bill, I would pay no problem. But the fact that they messed up on this and sent me a 2nd bill is not legal. Am I right or not?
TL/DR: CA landlord sent me a "final bill" 18 days and 42 days after move out. I paid the 1st one. Is the 2nd bill even legal?

Context:
Lease agreement was signed by both parties last week, we agreed that rental deposit would be paid Tuesday may 14th and partial first month payment paid on May 18th (move date). I sent the rental deposit via E-transfer last night (May 14th) but a few hours later noticed it still did not go through, I took a screen shot of the transfer and sent it to the new landlord apologizing and that I would sort it out with the bank today. They got back to me essentially saying they don't really understand why it was an issue and that they feared this would be a monthly issue going forward (rent payments after this were supposed to be post dated cheques). They later said they would not be moving forward with the tenancy and the agreement is void. I did contact my bank this morning to get the E-transfer sorted out, but I cancelled it because the new landlord told me not to send the rental deposit anymore.
I guess I'm just curious what my options are as this is a very difficult situation. I do not have the keys yet so I couldnt move in even if I was "allowed"
From my understanding this is illegal as the lease agreement is a binding contract and payment (at least proof of payment) was sent on the original agreed date.

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u/spacepaladin15 's universe.
Memory transcription subject: Estala, Junior Exterminator, ‘Little Yortu’ Colony Cleanup Division
Date [standardized human time]: July 27th, 2125
Everything hurt.
There was dirt and dust between each of my feathers and every single muscle ached and screamed in protest. I wanted to pluck every feather off of my skin and soak forever in warm water until I stopped feeling this way.
Sadly, I didn't have time for that since I, along with the 4 other junior Exterminators of my squad, stood to attention as our commander stared each of us down as he walked among us with his pristine feathers and dirt free uniform. A stark difference to the 5 of us who had actually done the work.
“Very good job squad. Sector UG-4 is now considered cleansed of all predatory taint. We have done a good job today!”
We? That was a very strong word to use, as Officer Parsim had done nothing but sit and ‘direct’ us instead of actually aiding us like he should have according to regulations. Of course, giving the idiot a flamer to use would probably end with him setting himself on fire, so perhaps it was for the best.
“Yes sir, although it would have gone faster had you completely filled the flamer canisters before we left, and-”
“Junior Exterminator Estala! As always, I did not ask for your opinion or commentary.”
I could see Parsim’s feathers bristling with anger as I spoke up. Neither of us liked the other, both for the same reason. Parsim was incompetent. The most incompetent person I had ever met. I could never understand how someone as incompetent and lazy as this Krakotl had managed to become even a standard officer, let alone in charge of a squad of Junior Exterminators. If there was a task required to be completed, the officer would fail to do so, and if they did do anything, they did it with a complete lack of preparation or adherence to even the simplest of regulations.
“Also sir, having only 5 people accomplishing the task instead of six, results in the lack of a rear guard. This is counter to the suggested den clearing process defined in appendix PTY-61, which-”
“I said I did not ask! Since you are always so knowledgeable about what should be done, you can use that experience as a Junior Exterminator and show ‘leadership’ by taking tonight’s guard duty.”
Parsim didn’t like me because I would continually point out his incompetence, not that I planned on stopping. Originally I had assumed the seasoned officer had his reasons for these mistakes, that experience would show some avenue for Extermination I didn’t foresee.
However, it had been six months. Six months of blatant incompetence. I couldn’t hold my beak for that long, every bird has her limit. Every rule he broke, every time he failed, it put people’s lives in danger. No matter how many admonishments or punishments he doled out, I at least had to try before something bad happened. Not that the officer looked like he was going to change, at least before my last few months here on the colony were up.
“Yes sir.”
I stated these words with as little annoyance as possible, deciding not to push the issue further. Fighting for this idiot to actually become competent was something for another day, for now I wanted rest. Rest of the predators and their piercing eyes, blood soaked claws and large rows of grinning teeth.
“Good. Dismissed, get cleaned up.”
The five of us filtered towards the temporary barracks, wings and bodies aching as the day's events took their toll on us. Crawling through dirt tunnels, tracking down dens, and eradicating them was a strenuous task, only slightly washed away with warm water and a new uniform. I eventually made my way back to my room and crawled onto my perch. I wanted to sleep, but the upcoming guard duty made that impossible, giving me half an hour to rest instead.
“I don’t get why you keep antagonizing him, Estala. He’s not going to change and you’re just going to get his ire.”
Talsim entered the rooms, a concerned look in his eyes as my bunkmate and fellow Junior Exterminator took his own perch next to mine. Somehow, after a whole day of crawling through predator infested tunnels, he still managed to look fabulous after a shower and basic preen.
“Because he’s going to get someone killed,” I responded. “Even today, I noticed he was constantly staying as far away from the predators as possible. If anything went wrong… I don’t understand how he’s even an Exterminator.”
“Dad says a lot of people join just for the prestige, then freak out whenever an actual predator appears.”
Talsim was the complete opposite to Parsim, smart, capable, with family ties to the Exterminators. A bright spot in the otherwise rather depressing past few months. The planet was infested with mammalian predators, larger than a Krakotl, teeth a doorway to their cruelty, eyes glowing yellow in the dark.
I had indeed gained more experience with predators than I could ever want on this planet, and seen the results of their evils inflicted upon my fellow Exterminators as we cleared out this new colony for the Krakotl people.
Frankly, I was looking forward to being back on Nishtal.
The two of us sat in silence as we both tried to get our energy back from the gruelling day’s tasks, as the minutes continued to tick by. Talsim continually fidgeted and glanced around, as if he had something on his mind as I sat there trying not to fall asleep.
“Estala…” He said, finally hitting the courage to break the silence. “I… I really don’t like clearing out the dens. The way they… I know they’re predators but…”
I knew exactly what Talsim was talking about. I didn’t like doing them either.’ Not because of the danger, but because of the aftermath. The smell of burning fur flesh, the sounds they made while fire consumed their predatory taint, the helplessness of the predator pups.
No, I knew exactly what Talsim meant. But it had to be done, for the safety of the herd.
“I think… I think everyone thinks that way, Talsim. That’s what makes us prey: our empathy. Even though we know it has to be done, we know it’s not noble work. But it is necessary. I just think that most Exterminators prefer to avoid talking about it, because we know how many lives we’re saving by removing the predators.”
“Not everyone. Quala seems to be very happy.”
I gave an involuntary shudder at the thought of the other Junior Exterminator. She always seemed to take full glee at the destruction of predator dens, eyes alight with joy as fire rained down upon her predatory enemies.
“There is something wrong with her. It might not be predator disease but… something.”
“I dunno, it just feels like everyone else knows what they’re doing. You with your rules, Quala taking down predator dens, and so on. I know my dad wanted me to get into the family business, but I’m not sure if I’m cut out for this.”
I couldn’t help but feel a level of despair at such words coming out of the beak of Talsim. The Krakotl had become my best friend over these last six months, funny, kind-hearted, and actually competent. The thought of him leaving the Exterminators, not thinking he was good enough…
“Nonsense! You are brave and do the right thing when you need to. There’s nobody else I’d rather have protecting my back against the predators. You’re already a better exterminator than Parsim.”
“A pile of rocks with a flamer draped on top would be a better Exterminator…”
We both laughed at that, the tension in the room evaporating as we both commiserated over the incompetence of the Exterminator Officer in charge of our squad.
“See, if he can make it, you definitely can. Remember: we’ll be full officers with colony expedition experience once we’re done here, not juniors any more! I’ll transfer to your department, we can work side by side, rise in the ranks, and keep Nishtal safe together.”
“Yeah, that does sound nice.”
“Estala and Talsim, Exterminating duo extreme! The Arxur won’t know what hit them!”
—----------------------
Memory transcription subject: Estala, Human Methods Advisor to the Exterminators.
Date [standardized human time]: March 6th, 2137
How did people do this? Seriously, what did normal people do in their free time? Joseph was out doing something predatory with his cats, leaving me alone in the apartment to chill out. I was sad, comfortable on my perch, a large fluffy blanket wrapped around my body as I cradled a cup of warm mango tea in my hands. I was supposed to be relaxing and letting my body heal…
So why couldn’t I relax?
Scrolling Bleat and the endless discussion about the war and predators didn’t keep me calm and there was only so much daytime TV one bird could watch. Going outside was out of the question as I’d inevitably see something that needed fixing, ending with me doing work again. So I tried to relax in silence, the curtains drawn across the window creating a nice darkness to calm down in as I tried to slow my breathing. It didn’t work, I wanted to be out there, doing good in the world, anything other than sitting here.
It wasn’t always like this, what did you do on your time off?
Well there was the Krakotl reality TV show “Wings of Love”, which was a guilty pleasure of mine. I was a fan of the Diva Scene in southern Nishtal. Occasionally I’d follow speed flying, especially since the local Skalga athletes generally did very well on the galactic level due to the increased gravity here.
Oh, I’m seeing the problem. None of those things exist any more, Nishtal is gone.
Work had been a perfect distraction from the whirlwind of painful changes over the last 6 months of my life. Nishtal was no more, every single algae bar or Diva stand I’d ever visited was destroyed, every single person I knew was probably dead. While I hadn’t been there for nearly three years, it was still… home. I wasn’t close with anyone on Nishtal any more, but there were still good people I knew…. had known there.
Even the Extermination Fleet had contained Exterminators I considered good people, lied to by the Federation and tricked into committing a horrible crime. Heck, if I was being honest with myself, I would have been just one more name on those ships if I hadn’t been stationed on Skalga when all this began.
It’s kinda ironic that Kalsim managed to kill far more Krakotl than humans with his actions… the bastard.
Then there were the other thoughts that constantly bombarded my mind. The omnivore reveal, the amount of murders I’d let happen under my watch, the revelations about the PD facilities, the ecological damage I’d caused on every planet I’d been stationed on…
Nope nope nope nope. Let’s stop thinking about this. Distract myself with anything, anything at all.
I opened my work email, using work once again as a distracting refuge, only to see an actually important email that required my response.
Re: Dawncreek Exterminators reform and restructure.

My dearest Estala. I have read your proposal for the reopening of the extermination offices of this district and the reimplementation of their funding. I will admit that your restructuring proposals were fairly radical for someone who is still an advocate of the exterminators.
However, after careful consideration of the impact of the organization, I fear that I must decline the proposal. I have come to the conclusion that, for the well-being of the citizenry, you and all others wishing for its reimplementation should commence a regime of self fornication as my district shall be better as strangers to the institution of extermination.
I thank you for your time,
High Magister Rolem of Dawn Creek

By Inatala’s talons… Magistrate Rolem was an interesting case. While most Exterminator CO’s and Magistrates were resistant to the changes I was trying to implement due to a fear or hatred of the ‘predatory’ humans they represented, Rolem was the complete opposite: He was so pro-human that the Venlil was trying to eradicate the Exterminators of Dawncreek, instead merging their duties with the police force.
Unprofessional insults aside, I didn’t blame him too much considering what had happened at Dawn Creek. I wasn’t completely against the idea of copying the humans in that regard, if it wasn’t for the simple issue: It wasn’t working. While in the short term the district was better off without the shambolic incompetent idiots who used to ‘protect’ the area, the long term solution wasn’t trusting their safety with police officers who could hardly look a human in the eyes without fainting.

Dear idiot face.
Can you spehing actually read the email I sent. It’s not working. I’m getting the surrounding districts to cover for you before someone notices and tries to recall your seat, but I can only do that for so long you feather chewing idiotic-

I paused, taking a deep sigh before deleting that text and rewriting the email to something I could actually send.

Dear Rolem.
I understand your hesitance to rebuild the Dawn Creek Exterminators, and while I’m not against the idea of your plan in theory, the issue is the current police force joined their roles without expecting such ‘predatory’ work to be within their job description.
As you can see in the data I sent (Please see previous email), a significant number of calls to the police force are being refused and not dealt with, especially surrounding the categories of violent crime (Or what was previously classified as Predator Disease), interacting with humans, and predator sightings.
The Exterminators who joined this job did so because they wanted to protect the herd from such problems, unlike the police who originally joined to aid us all in different ways. I’m currently instructing the four surrounding districts to aid in these excess calls during this transition period, but this is not a long term solution.
If you would like to discuss this proposal further, please do not hesitate to email or call me.
Prestige Exterminator Estala, Human Methods Advisor, Dayside City Head Office.

With the more professional email sent, I once again found myself in the dark with nothing to do. I browsed my emails idly for a few moments, scrolling Bleat through the normal barrage of hate mail I got from both pro and anti-human Venlil, before finding myself back at a familiar website, one that had changed so much of my outlook.
FederationColdCases.human.fed.vp
A human created site, dedicated to parsing through “Predator Attacks” and working out which ones were actually murders, which ones I had failed my duties on. There were a lot of murders originally classified as predator attacks. That realisation had broken me. Prey murdered prey as if they were predators, meaning there were no prey or predators in the galaxy, only people.
They also tended to dump every password they could find on Venlil systems, Exterminators included. There had been a back and forth between me and the predators on this site, one that I was frankly losing, especially based on the new post added to the site.

New Thread: Estala’s new password.
“BzB&G_6?wC{k4oqq,je%.uO;T`uznif6;<(8~B”
Hi Estala! I know you’re reading this as you keep resetting your password.
So Estala’s password creation skills have increased since we started doing this. For a quick refresher on all the things that have changed.
Stopped using Inatala as a base.
Stopped using Protector, Exterminator, Predator, Prey, Mango, or any dictionary word as a base.
Stop using passwords containing simple numbers (1234, 1254, her birthday, etc etc)
Stopped using passwords of length lower than 15
Stopped using the same password for her email as her Exterminator account.
Stopped falling for Phishing attacks claiming to provide “Free mangos for Exterminator logins”.
Turned off autologin.
Turned off fast checkin mode.
Now, I ‘could’ just login using the head exterminator for Skalga’s login (Password is STILL “Protector134”), and use that to reset Estala’s password and gain access, but that feels like cheating.
Instead I found a remote code execution exploit using a faulty heartbeat command, allowing for the password to be returned. It should be noted yet again that the section of the Exterminators database containing Exterminator personal information is not susceptible to this attack, showing that the UN did a bunch of hardening there (As well as Venlil banking systems, etc etc)
The attack works by finding the central node to the district you’re attempting to attack, this can be done by using….

I felt my brain start to leak out of my ears as the technical jargon on the screen in front of me caused my vision to swim. The humans took it as a game to continually break into my secure system, taking joy every time I failed to stop them. I had evidently hit the limit of my expertise…
Memo to self: Hire a human to harden the Exterminators systems. And change my password. Again.
I gave a sigh as I continued to browse the site, looking for anything to distract myself with, until I found something I hadn’t seen in a while.
The Heartbreak killer. The first case I’d been shown proving that prey killed prey, a series of predator attacks that had turned out to be something the humans called “a serial killer”. Right at the bottom of the thread filled with theories and evidence gathering, including one annoying comment suggesting that I was the killer, was a single message left a few hours ago.
“What happened to this case, did we get any news?”
We hadn’t. The killer had killed three people, then hadn’t struck again; no leads, no more evidence, no new possible information. A thought started to creep into my mind: I had some spare time, I had the resources and newfound knowledge about human investigative skills, and there was nothing stopping me from giving this case a solid deep dive to see what I could uncover. Technically, it wouldn’t even be official Exterminator work, meaning it was fine, and I wasn’t breaking my promise to my best friend!
Joseph had told me to find a human hobby. Technically, human hobbies included solving cold cases…
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