Free ittune cards

Credit Cards

2008.09.14 19:08 Credit Cards

A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered.
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2020.04.23 04:23 Gamelover39 ActualFreeGiftCards

Actual Free Gift Cards, Giveaways, ETC. basically FreeGiftCards but moderated.
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2015.08.30 23:42 RandomNerdGeek Free Games with Cards

Dedicated to finding free Steam games with trading cards or cheap games that essentially free after selling their cards.
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2024.05.19 13:22 Better_Fudge1842 I made a BINGO card for Lil Gup's Stream. It generates a random one for each person to play along! Let me know if i missed any other good ones i can add. Don't forget the free space in the middle! :D

https://bingobaker.com#6649dca7e34f1da6
-jaliela01
submitted by Better_Fudge1842 to Graycen [link] [comments]


2024.05.19 13:16 AIForAll9999 Creator of Smaug here, clearing up some misconceptions, AMA

Hey guys,
I'm the lead on the Smaug series, including the latest release we just dropped on Friday: https://huggingface.co/abacusai/Smaug-Llama-3-70B-Instruct/.
I was happy to see people picking it up in this thread, but I also noticed many comments about it that are incorrect. I understand people being skeptical about LLM releases from corporates these days, but I'm here to address at least some of the major points I saw in that thread.
  1. They trained on the benchmark - This is just not true. I have included the exact datasets we used on the model card - they are Orca-Math-Word, CodeFeedback, and AquaRat. These were the only source of training prompts used in this release.
  2. OK they didn't train on the benchmark but those benchmarks are useless anyway - We picked MT-Bench and Arena-Hard as our benchmarks because we think they correlate to general real world usage the best (apart from specialised use cases e.g. RAG). In fact, the Arena-Hard guys posted about how they constructed their benchmark specifically to have the highest correlation to the Human Arena leaderboard as possible (as well as maximising model separability). So we think this model will do well on Human Arena too - which obviously we can't train on. A note on MT-Bench scores - it is completely maxed out at this point and so I think that is less compelling. We definitely don't think this model is as good as GPT-4-Turbo overall of course.
  3. Why not prove how good it is and put it on Human Arena - We would love to! We have tried doing this with our past models and found that they just ignored our requests to have it on. It seems like you need big clout to get your model on there. We will try to get this model on again, and hope they let us on the leaderboard this time.
  4. To clarify - Arena-Hard scores which we released are _not_ Human arena - see my points above - but it's a benchmark which is built to correlate strongly to Human arena, by the same folks running Human arena.
  5. The twitter account that posted it is a griftesensationalist/etc etc - I'm not here to defend the twitter account and the particular style it adopts, but I will say that we take serious scientific care with our model releases. I'm very lucky in my job - my mandate is just to make the best open-source LLM possible and close the gap to closed-source however much we can. So we obviously never train on test sets, and any model we do put out is one that I personally genuinely believe is an improvement and offers something to the community. PS: if you want a more neutral or objective/scientific tone, you can follow my new Twitter account here.
  6. I don't really like to use background as a way to claim legitimacy, but well ... the reality is it does matter sometimes. So - by way of background, I've worked in AI for a long time previously, including at DeepMind. I was in visual generative models and RL before, and for the last year I've been working on LLMs, especially open-source LLMs. I've published a bunch of papers at top conferences in both fields. Here is my Google Scholar.
If you guys have any further questions, feel free to AMA.
submitted by AIForAll9999 to LocalLLaMA [link] [comments]


2024.05.19 13:16 Adventurous_End_7650 A video shooter's perspective on R5 (+ settings)

In the past four weeks, I've deep-dived into the ideal Video settings for my R5. I was never happy with what the camera gave me, so I want to share the following insights just in case they may benefit some of you. It's going to be a bit long winded, read on if you're a nerd and perfectionist like me... Shout out to Jason of Points in Focus on YouTube, as well as Rodrigo Pollo, Josh Sattin and Todd Dominey, who were some of my many sources. There's also a Redditor that has highlighted the wonkiness of Cinema Gammut colors (hi!) and I agree with them.
  1. Shoot in LOG – IMO, yes, you should. Only this unlocks 10 Bit 4:2:2 which grades really well and runs smoothly provided you're on Silicone machines. Arguably, 10 Bit 4:2:2 h265 in LOG was the true game changing feature the R5 brought into the market, so take advantage.
  2. For LOG post production, the Canon LUTs work well if you expose as Canon thinks you should. This gets technical quickly and if you just follow the ETTR dogma, Canon's LUTs will clip your highlights into oblivion. A proper CST workflow in Resolve works better but is complicated for novices. In any case, you will have to test your exposure / CST / LUT workflow so I highly recommend you get yourself familiarised with Zebras and False Color tools (if you use an external monitor). The histogram on the R5 is absolutely useless for video exposure. Clipped highlights, not noisy shadows, are the biggest weakness of the R5's image, in my opinion.
  3. But which LOG flavour and color space? This comes down to your taste, but I have found the following produces the most natural looking footage. I shoot CLOG 1 / BT 2020 at a base ISO of 400. Like everyone else, I jumped on the CLOG 3 / Cinema Gammut Train when the firmware update hit, but I just didn't like the footage 90% of the time. It is proven that the sensor's dynamic range in photography mode is better at ISO 400 than it is at 800 (not surprising) in the Electronic shutter mode (which is what the R5 also uses for video). It's not a huge difference from 800 to 400, but it's there - half to one stop. This was also revealed in the CineD tests – both of them, the initial one as well as the one when they re-tested with CLOG 3. In the manual, Canon claims that CLOG 3 has more dynamic range then CLOG – in theory, maybe. The curve may be designed to give more DR. But on the R5? None of the tests you can find online have properly proven this. The DR is distributed differently, but not necessarily increased. There ARE tests, however, that show the sensor performs better at ISO 400 - so that's what I go with. Bonus: Why not use BT 709? Well, that would defeat the purpose of capturing LOG at 10 Bit 4:2:2 in the first place. You would be throwing out a bunch of color information already at capture.
  4. There can be severe horizontal Banding in underexposed areas. When I first saw this, I couldn't believe my eyes (check out Josh Sattin's comparison of Z8 with R5 on YouTube to see what I mean). A 5K€ camera was producing big horizontal chunky lines of banding running across the image. I contacted Canon and they claimed not to be able to see anything. WTF. I thought my camera was broken. Then I found this in the manual: With Canon Log, movies may be affected by horizontal banding, depending on the subject or shooting conditions. So I didn't imagine things. It's right there. In. The. Manual. To avoid this, expose correctly. In practical use, a non issue, but still leaves a bitter taste.
  5. Cinema Gammut, avoid. In my experience, it gives crazy saturation to red, magenta, orange. It may be a wider color space than 2020, but it can look extremely unnatural. I had rare occasions where it did work well, for example with greens and blues, but skin tones were always a pain point. (If you do want to use CLOG 3 and Cinema Gammut, I suggested you go to -1 saturation in the Canon Log Settings.) I realise this point is the most subjective, so if you have a great CineGammut workflow running, I applaud you!
  6. External Recording – it may work for some of you, but I never bothered. What turns me off the Ninjas is their cost, the noisy fan and hunger for batteries as well as bulk and weight. I shoot mostly Gimbal work nowadays and every gram counts. I bit the bullet and got the fastest Card on the market for internal shooting. If you do use Ninjas, note this: The HDMI interface on the R5 is version 2.0 and it does NOT transmit Cinema Gammut correctly, so set to BT 2020. You will still have to mess around with the legalize settings and post-production hassle (ProRes RAW doesn't work on the dominant Color grading software, Resolve). For me it's a no. Bonus: Make sure your HDMI cable is at least a 2.0 version!
  7. Sound: Manual recording set to a quarter strength gives you the best audio dynamic range (nod to Jason of Points in Focus, who tested this). Run your mic hot-ish and you'll be fine at this level, it works well with the Rode or Sennheiser video mics. If audio is important for you, AVOID IPB Light as it uses compressed AAC audio. The non-compressed LPCM at 48 Khz / 16 Bit that you get with ALL-I, RAW, IPB is pretty decent and noise-free.
  8. I can't stress this enough: avoid Auto White Balance! The R5 dials in aggressive amounts of Tint "correction" to combat any perceived color shifts. It just doesn't work well at all unless you're in perfectly clean 6500K daylight. If you shoot LOG h265, getting White Balance right is critical to getting good skintones. Log doesn't mean RAW, you ARE baking color into the image. Unfortunately the Custom WB function is a mess in R5 for video, but you can actually eyeball this quite well off a monitor, if said monitor is set up correctly with a LUT. I use a color meter (LUMU Power 2) to verify, and it helps.
  9. Rolling Shutter. 8K RAW as well as 4K HQ give you the most rolling shutter at about 15 ms and this is certainly visible in faster paced Gimbal work. Rolling shutter drops to around 9 ms in regular 4K, which is what I now use for Gimbal work. Though it's not a full halving, it's a significant, visible improvement for any panning. I still shoot talking heads in 4K HQ as the Rolling shutter is not an issue with static work. As for my Canon Log settings, I go +1 sharpening for 4K HQ and +3 for regular 4K. That matches them reasonably well.
  10. 12-Bit RAW has about another half to one stop more DR in the highlights, but is also tougher and more fiddly to grade than the 10 Bit H265. It also defaults to CineGammut so it has the same tendency towards saturated reds. (CRAW gets decoded by default as CineGammut in Resolve.) I tend to prefer the look of the 10 Bit 4:2:2 shot in BT 2020 in terms of color. If you do shoot RAW, I again recommend setting to CLOG 1 in camera – not because that Log curve gets baked into the image (it doesn't), but because it unlocks you ISO 400 shooting. RAW capture at ISO 400 in Clog 1 will then allow you to decode in Resolve using the CLOG 2 curve at ISO 400 and reach the theoretical maximum of DR in terms of any video material from the R5.
Point 11 was going to be a wishlist for better features etc. but then I realised, I could buy a R5C... But honestly, the crappy battery performance of that camera really is a deal breaker for me.
Sorry for the long post but I really hope this may help some of you. Good luck and happy shooting!
submitted by Adventurous_End_7650 to CanonR5 [link] [comments]


2024.05.19 13:11 mnparke Sign up with Monzo bank and spend just $10 with your debit card or digital wallet and you will get $20 added to your account. Just use my referral and you will get $20 free. https://join.monzo.com/c/8r8z1d8

https://join.monzo.com/c/8r8z1d8
submitted by mnparke to referralcodes [link] [comments]


2024.05.19 13:09 dirkisgod [OFFER] ZING - £30 Total - £20 from them and £10 from me (UK Only)

ZING is a brand new payments app introduced by HSBC.
Their aim is to challenge the likes of Revolut and Wise. This is a very easy to use app that offers a free multi-currency card, international payments and real-time exchange rates.
The sign up process is simple. This is open only to UK residents. I don't think a credit check is made, but your address is checked.
As part of their launch, they've introduced a generous bribe.
SIGN UP PROMO: £20 Reward
Sign up for an account, get their card (virtual and/or physical) and make at least a £5 payment using their card.
A £20 cash reward will be added to your balance (per terms: within 30 working days after the end of the promotion period).
There are no fees with the account.
/// STEPS
  1. Click here to DM me (I will send you my link) Type $bid in the comments
  2. Sign up and make at least one £5+ payment using their card.
  3. Once they credit us with the reward, I'll send you the extra.
submitted by dirkisgod to signupsforpay [link] [comments]


2024.05.19 13:06 mmtnmmtn Waiting for Zayne's new solar pair!

Waiting for Zayne's new solar pair!
Completed available Companion as of now I'm broke but can't wait for Zayne's new solar pair! (How I wish we will have free time (no new limited card banner) after this Xavier's solar event so we can at least replenish our dias 😅
submitted by mmtnmmtn to LoveAndDeepspace [link] [comments]


2024.05.19 13:04 hamdi-ramzi The Best IPTV Service of 2024: Top 5 Trusted Providers

The Best IPTV Service of 2024: Top 5 Trusted Providers
Here is the list of the best IPTV services available worldwide. Compare the features and pricing of the top-rated IPTV providers listed in this tutorial and select the top IPTV subscription for your FireStick, Android TV, PC or any other device:
What is IPTV?
Internet-based Protocol Television (IPTV) refers to the streaming of TV programs through broadband Internet rather than the traditional cable or satellite. This TV content is streamed to a set-top box.
Selecting the best IPTV streams can be challenging because of limited information about the quality of the service. Wea have taken the task of finding the top-rated IPTV service providers that live up to their claims.
#1) Best Top Winner YugaTV
Great for watching local and international live TV channels, PPV, pay-per-view sporting events, and VOD.
https://preview.redd.it/ojj35zsl7d1d1.png?width=1366&format=png&auto=webp&s=259941ac54ee7ad0c1813bdd97d2771d4591d3d5
YugaTV provides a secure payment channel, and with this, you can make payments easily. You can do it without worrying as the security is very high and advanced. There is no risk of getting cheated. It is because your payment is processed through your bank card or PayPal, so there is no risk or scam involved. After making a payment, you just have to wait a few minutes and then you will receive your subscriptions via email. Not only this, Smart IPTV has a buyer-friendly refund policy that allows everyone to buy their services without worrying about their refund. Its prices are also very affordable so everyone can buy it easily.
Features
  • Its panel offers more than 20,000+ live TV channels with multiple features like catch-up and EPG.
  • IPTV channels and services, as well as their panel, are automatically updated once a week.
  • From payment to service delivery, all sales steps are performed automatically; there is no human factor on this page.
  • All IPTV system infrastructure provided to customers is automatically backed up every 5 minutes.
  • You will get 24 hours of support a day without any interruption through online chat and ticket creation.
Features:
  • 20,000+ channels.
  • 70,000 VOD
  • International channels.
  • Compatible with all devices.
  • Supports IPTV players.
  • It has a buyer-friendly refund policy.
Verdict: YugaTV is the best service provider that contains popular TV shows and movies. It has a user-friendly interface that makes it easy to find the desired content.
=> Visit YugaTV Website
#2) AIMAX EDAWAG
AIMAX EDAWAG – Best for watching Live TV, movies, and shows in multiscreen on Android and IPTV devices.
https://preview.redd.it/7u0al9rs7d1d1.png?width=640&format=png&auto=webp&s=9cd38a4dacf0e8f91cebd65613a4579666f57c05
One of the most recommended and best IPTV providers is IPTV SMART. This is because it offers over 20,000 live TV channels and over 60,000 VOD content. They provide 4K resolution content for HD, HQ, channels, and VOD. Widely compatible with devices that work with Firesticks, computers/laptops, mobile devices, Mag / Enigma boxes, smart TVs, and more. This service works with various apps such as IPTV Smarter Pro, TiviMate, GSE IPTV, Lazy IPTV, and Kodi.
Features: Over 20,000 channels and over 60,000 VODP provide multiple connections. IP blocking does not work with VPNs.Provides a reseller panel.
=> Visit IMAX EDAWAG Website: IMAX EDAWAG
#3) IPTV TRENDS
Best for – IPTV subscription service provider comparing price, service quality, and customer support.
https://preview.redd.it/txnhwfpt7d1d1.png?width=640&format=png&auto=webp&s=056edb1b615e6993b59951213d70bc072a72927b
IPTV TRENDS One of the greatest benefits is the ability for the viewer to watch the programs that they love from anywhere and at any one given time, this is usually at a cheaper price as compared to the cable packages that you may know of.
Firstly, the pricing is usually better and there are so many titles that a subscriber can select from. In the past, consumers had to buy cable packages that may have had some programs they were not interested in. Secondly, the other benefit is that you can access a lot of channels without any problem. Thirdly, you can make a custom list of channels and only pay the price for those channels.
You can also enjoy quality 4K, FHD, HD, and SD video services including more than 16,000 IPTV channels List. This collection includes the best-known and most popular TV networks from around the world covering all tastes.
Features:
  • + 17,000 Channels
  • 4K, FHD & SD Channels
  • Compatible with All Devices
  • Available Worldwide
  • 99.99% Up-time Servers
  • VPN Allowed
  • 24/7 Premium Support
Verdict: IPTV TRENDS , Over 17,000 Live Channels for $14.99/Month BEST IPTV is the best IPTV subscription service provider comparing price, service quality, and customer support. We have over 16K TV channels, including premium sports & Movies, Series, & Documentary channels. Nothing can beat our TV channels streaming quality.
#4) FortuneIPTV
https://preview.redd.it/dsoopw3v7d1d1.png?width=640&format=png&auto=webp&s=ba65a31385d7bea50f37c471b9dbc8e6c1460d68
A Reputable IPTV Provider With a Subscription Service. Check first before you decide to buy.
You may watch and enjoy a variety of HD on-demand movies, pay-per-view sporting events, TV shows, live TV channels, and other comparable content on Fortune IPTV, a high-end entertainmentvideo streaming platform.
Because it has increasingly become more feature-rich than conventional IPTV packages, many customers appreciate this service. Without a sure, Fortune IPTV will keep you occupied for a longtime.
Features:
  • 12K (approximate) live HD and FHD TV
  • 35K (approximate) TV Series & VOD (video on demand)
  • Netflix, Hulu, HBO, Disney+, Prime Video, and more
  • Compatible with any devices
  • No IP lock works with VPN
  • Payment: Credit/Debit Card, Crypto Currency
Verdict: FortuneIPTV is the best IPTV service provider around with premium IPTV streams. No matter what country you are in, their service is available worldwide.
This IPTV provider has very good servers and offers a buffer-free experience. You can purchase a trial from them if you want to learn more about it.
#5) IPTVtune
Best for watching HD and SD quality content on different devices.
https://preview.redd.it/e5pxby3w7d1d1.png?width=640&format=png&auto=webp&s=182ed69aff5c83f16841a12f685db7f5b40e1dad
IPTVtune is one of the top providers when it comes to price and quality. They offer stable performance with minimum buffering and freezing with a stable connection.
Features:
20,000+ movies and 10,000+ channels.
HD and SD content.
99.99 percent uptime.
Reseller option available.
Verdict: IPTVtune offers an overall good package for customers. You get premium channels at an affordable cost
submitted by hamdi-ramzi to bestprovider100 [link] [comments]


2024.05.19 13:02 Norsil_0 [FOR HIRE] Hi! ✨Looking for commissions ✨ Portraits, full body characters illustration and other✨

✨Special price cause I want to pay my bills✨
Price sketch/flatcolob&w/fullcolor
•Headshot $10/$15/$25/$40
•Half body $20/$25/$40/$60
•Full body $30/$40/$70/$90
Background +$5-20 depends on the complexity
✨50% off for second character✨
✨Discount for multiple order✨
Also I do:
•Chibi $10 for first +$5 for each next
•White and black multiple simple characters scene $40-70
Payment via PayPal or donate Ko-Fi, also I accept orders on Artistree (with little fee from the site) (if you want order kind of commission I don't have card on the site feel free to say, I'll add it)
Please be sure to check my carrd for ToS, and more information (〃'ω'〃) https://norsil.carrd.co/
And.. I would like to draw your character ヾ(❀╹◡╹)ノ゙
Thank you for your time ~
submitted by Norsil_0 to artistforhire [link] [comments]


2024.05.19 13:00 Cyr13lGame Free Playstation Gift Card - Win Playstation Gift Cards on Playbite

Free Playstation Gift Card - Win Playstation Gift Cards on Playbite submitted by Cyr13lGame to PlaybiteCyr13lGame [link] [comments]


2024.05.19 13:00 randomshitposter007 I want one but no way to spend 6.9K, any idea where to find it cheaper?

I want one but no way to spend 6.9K, any idea where to find it cheaper? submitted by randomshitposter007 to animeindian [link] [comments]


2024.05.19 12:58 NLSSMC Advice about dying grandmother (and a story about the Cardinal)

Hi! 👋
I need help and I also wanted to share a story or two, if that’s ok. So this is LOOONG. Please forgive any mistakes or wrong words
I’ve put the questions up top so feel free to ignore the rest. I just wanted to tell people about her.
Thank you so much in advance!
TL;DR
Part one: My beloved 98-yo Catholic grandmother in Sweden is dying, no other family member is Catholic. We don’t know what we need to do now before and after her passing.
Part two: Gran’s story and the Cardinal who Didn’t Forget.
——-
Part one
My Grandma is 98 and nearing the very end. She is a devout Catholic who converted in her 60s. No one else in the family is Catholic and there are very few Catholics in Sweden overall.
Her faith is incredibly important to her and I want to make sure she leaves the world properly from a religious standpoint.
Only I don’t know anything about it and I don’t know who to ask.
I would be so grateful for any guidance.
Questions:
1. Are there things we need to do for her from a religious perspective when the end comes? Last rituals?
Any special handling of the body?
Should we call a priest but who?

2. Swedish funerals usually don’t take place in three or four weeks after death. Is that okay?

3. Her service will be held in a Protestant church with a Protestant priest and buried in the family plot that’s there.
She has okayed this. She originally wanted to Catholic service in this particular church but it’s not allowed.
Are there any things (prayers, rituals etc) we can include to honor her faith?

4. Do I need to notify her local church? She is a member of the Secular Carmelites as well.

5a. Obituaries work a little differently in Sweden but I figured I’d ask. It’s common to include a little picture or symbol in them, everything from roses to sports team logos (yes, truly! 😂)
Most of the Catholic obituaries I see simply have a cross and . Is that the proper way to do it?

5b. Most obituaries include a quote.
Would this be appropriate?
”I am going towards you whom I have always sought, loved and always desired.”

It may sound odd I watched Sister Claire Crockett’s final vows and heard it and just knew instantly it should be in Gran’s obituary.
I haven’t been able to trace the source though.
THANK YOU! If you made it this far! —————————
Gran and the Cardinal
Now it’s story time!
Gran converted in her 60s “after a lifetime of searching” and was an eager theological correspondent.
She is a passionate fan of St John of the Cross and mysticism in general and is a member of the Secular Carmelites.
My Gran is Dutch, spent her first decade in Indonesia before coming back to Holland just in time for the German occupation.
She grew up Protestant but the war planted a seed in her mind and she set out to discover the spiritual world and learning as much as possible about every religion she could find, Taoism, Shinto, Hindu gurus, the works.

I asked her once what made her choose Catholicism in the end. She said that she had seen a small bookstore that interested her and unbeknownst was in a small, nondescript church.
Gran said she went in through the door and felt a “flash” or a rush or something she couldn’t quite describe and just knew. She spoke to a priest that very same day.
—-
Gran never quite lost hope that one of her children or grandchildren would convert (I was her best candidate but that has not happened. 😅)
—-
My grandmother had to stop going to Church maybe 10–15 years ago since hearing is so bad and it still grieves her.
She misses the community of the church, theological discourse, the connections she has made over the years. She felt lonely.

I don’t know how much the “regular Catholic” knows about different cardinals but we actually got a Swedish one, Anders Arborelius, a few years ago.
Gran knows him through the Carmelites and she has corresponded quite extensively with ”Bishop Anders”.
On one bleak day when Gran felt so along in the world, I tried to think of ways to cheer her up.
I did some googling and found an email address to the Cardinal himself and also to his secretary.

I wrote a long email asking of “Bishop Anders” would be willing to send her a card to remind her the church hasn’t forgotten her.
I didn’t expect an answer but later that same night, his secretary responded and it turned out she used to know my gran quite well.
The Cardinal was in Rome, she said, but he would probably look at the email when he got back.
That night (say 2AM), I got a response from the Cardinal about how well he remembers my Gran, and how much he likes and appreciates her.
A few day later, a lovely little letter with encouraging words and a blessing arrived in the mail.
One funny thing though! He had absolutely dreadful handwriting, so bad we actually send around a picture of it to family members asking them if they could decode it. 😂😂😂
submitted by NLSSMC to Catholicism [link] [comments]


2024.05.19 12:35 AITheXmasAH Potentially moving to the US from UK - Advice Needed!

Hi guys,
So long story short - I am in the final process of the job recruitment process for a really exciting opportunity in the US. They know I need H-1B sponsorship and, as a cap-exempt employer, they can begin the process pretty much whenever. Great.
However - this opportunity was a complete surprise. 6 months ago I moved into a new apartment with a 12 month lease, took out credit to buy furniture etc. etc. and so I have an interest-free credit card balance of around £10k. I also have a repayable sign on bonus at my job of £4k which I will almost certainly need to pay back.
This might sound crazy, but I ran the maths and I realised I could pay it all off within one year on my salary if I stayed in the UK. I have been doing that, though instead of paying it off directly I have been putting money into a savings account just because I figured since the CC debt was interest free... I may as well make some money on my money instead of paying it down right?
In any event, I'm on target to have it cleared down by the end of the year. Great. But... this is a curveball and I'm not sure how to manage the situation.
If I get the job, I'd be on around $70k per year, which turns out to be $4.6k net having used the take home pay calculators. This is quite a bit more than what I am on in the UK, but I know the cost of living in the US is quite a bit higher.
I'd plan to pretty much sell everything I own in the UK and would expect to get around £5-7k based on this. This, plus my savings would give me around £10k to play with.
Overall, I expect I'd move within 5 months so I would really like to start planning now and put a financial plan together. My current thoughts are thus:
Overall I am stumped if this is a good plan or not. Alternatively, I could just carry on paying the minimum debt payment in the UK until the interest free period expires, but this doesn't sound like a good idea.
Ugh... I am so excited about this opportunity. I really wish I saw it coming 6 months ago!! I would have made such different decisions. But... hindsight is always 20/20.
If anyone has had a similar situation I'd love to hear your advice. Thank you <3
submitted by AITheXmasAH to immigration [link] [comments]


2024.05.19 12:28 fromcochin Secondary for my DCB LTF.

Hi everyone, I have been a silent reader of this reddit channel for multiple years and never really created an account until now. I appreciate most of the fellow redditors here and mods for questioning, posting and managing diverse portfolios of credit cards. Personally, I own 3 cards (Magnus (paid) - 3.3L, DCB LTF - 8L and IDFC First wealth - 7L). Due to the recent devaluation of Magnus, I discontinued the Magnus and now my primary is the DCB LTF. Save to say this card has provided me 10%+ in reward rate month-on-month.
Fundamentally, I travel a lot and most of my spends are in Swiggy/Zomato/Ola/Uber and Smart buy flight and hotel bookings. I also travel internationally once in a while and thats when generally the magnus (since it's VISA and low acceptance of DCB in weird countries to go to) and IDFC's cash withdrawal (45day interest free period) help me. Apart from this my main reason for the IDFC is the RSA assistance (I have used this 3 times in the last 2 months to get my car running - lmao. I should get it fixed now)
TLDR: I require a secondary card (VISA infinite?) to help in situations when my DCB doesn't work (this is pretty rare since i live in a tier 1 city) and preferably when I travel aboard as my primary card (again if DCB isn't accepted - most cases it ain't). I also was thinking if this card can get me BOGO on BMS (trust me magnus was the legit deal here and I was paying for this - but it's devalued and I do not feel like continuing to pay for the card is worth it as my daily driver is the DCB which is LTF).
PS: I can get the ICICI sapphiro alumni LTF (Same way i got my DCB). But I realised they provide the mastercard and Amex variants (both of them do not get enough support in Europe and Middle East and Eastern Asia). Looking for a VISA card that matches the powers of the Magnus card.
submitted by fromcochin to CreditCardsIndia [link] [comments]


2024.05.19 12:18 Denchlan Mini PC

Hi there, my girlfriend has been insisting on getting a mini PC to play Sims 4. We both aren’t particularly savvy when it comes to PCs as we’ve never had one and have no real knowledge on what makes a PC good or not.
Can anyone confirm that the specs in the images are sufficient to be playing games such as Sims 4, and what changes you would make if any please? Thank you.
submitted by Denchlan to PcBuild [link] [comments]


2024.05.19 12:15 Cyr13lGame Free T.J. Maxx Gift Card - Win T.J. Maxx Gift Cards on Playbite

Free T.J. Maxx Gift Card - Win T.J. Maxx Gift Cards on Playbite submitted by Cyr13lGame to PlaybiteCyr13lGame [link] [comments]


2024.05.19 12:14 HakoRoom Where's this frame from?

So, during Alabasta we see Ace giving Rufy his Vivre Card. Now, looking for what a Vivre is, I searched on the wiki and saw this image as the article title.
Does anyone know from wich episode this is? I really don't mind spoilers, please feel free to spoil me everything you want for the purpouse of letting me know the episode this frame is from. I'm currently finishing Alabasta and no frame like this shows. Currently on ep. 103.
frame in question
submitted by HakoRoom to OnePiece [link] [comments]


2024.05.19 12:08 charlie_junior376 Free 3 card spread readings!

NOW CLOSED! Thank you for letting me read fy! I will reply to all soon
Hi! I recently finished with my exams and now I am learning how to do a three card spread! The cards represent the Question's AnsweAdvice, Present And Future. (it's usually past present and future but since knowing a past is not always possible if its sth new so i changed it)
I feel like I should do some practice, so 🪄send in your questions, initials and zodiac in the comment section ONLY!🪄
Doing some 10-15 ish give or take, since reading sm at once drains me sometimes! I will let the people know who comment after I close the post whether i will read for them or not!
❌️❌️NO DMS PLS!❌️❌️
Please, DO PROVIDE FEEDBACK, since it helps me stay motivated as I am an amateur! PEOPLE WHO PROVIDE FEEDBACKS will be given priority in all readings!
I am also working on my own spread, that i will be using for personal readings soon! (free at first :> ) So I cant wait to post about that!
Hope to read for y'all soon!
submitted by charlie_junior376 to tarotpractice [link] [comments]


2024.05.19 12:04 ficus77 Some tips for first time travellers to Vietnam

Just got back from Vietnam - North to South tour over a couple of weeks around my partner's birthday. Absolutely loved the experience and would love to visit again and slow down the travel to take things in a bit more.
I have some tips for folk from my own experience. I'm from the UK - and specifically Cornwall where tourism is a mainstay of our local economy and I know what it's like to have your land flooded with tourists.
1: the pound is roughly 30000 Vietnamese dong, so divide by 3 and knock off some noughts. It's easier to knock off the last three 0s from the dong price first. Very important for weighing up the personal value of something you might buy/are being hassled to buy.
2: Security at airports is not like our biometric passport scanners in the UK - it's guys in very officious looking uniforms taking their sweet time to weigh up whether you should be let in (or out) of the country. Bear this in mind for planning follow up transport or arriving for a flight. Huge queues. It took about an hour after arriving to get through security, and an hour and a half when departing for our UK flight (important as they were shutting the doors by the time we got through security).
3 phone data - while queuing to get into the country in Ho Chi Minh, we opted to buy some local SIM cards from a stall next to the queues. They were £8 each and gave us unlimited data for our 2 weeks. Ideal. Might be able to get it cheaper but convenience after 20 hours of travelling was worth it.
4 airport transfers - take advantage of these where offered. Again, just takes the stress out of things as we found the country quite overwhelming, especially HCMC and Hanoi (overwhelming in a good way though).
5 city markets - we went to Hanoi, Cat Ba, Hoi An, Phú Quoc and Saigon and in each place there was a sizeable (Cat Ba was smaller) market advertised as a "must see" experience but in truth is the same place selling knock off clothes, luggage, souvenirs, food ingredients, etc. Every fourth or fifth stall is EXACTLY the same stuff. It gets boring after 10 minutes. Would advise visiting this wherever you are on your last day to buy some stuff to take home rather than lugging it around.
6 scooters - I wouldn't consider this unless you know how to ride a scooter, especially in the cities. Vietnamese traffic is an organic wonder to beyond from the safety of a taxi.
7 crossing the road - for UK folk, they drive on the other side in Vietnam. Very important to look both ways but believe the hype, pick your moment and go confidently - Vietnamese also have incredible spacial awareness to avoid you.
8 GRAB - download the app, add your card and Grab away. Again, speaking of convenience and least stress, you will quickly appreciate not walking for 20 minutes in +30° city heat and choosing to take an air conditioned taxi. For comparison, a trip that would cost about a tenner in UK costs a £1. Incredible value for your wallet, comfort and time.
9 food - try everything. OK, maybe Thit Cho on Hanoi is a stretch too far for the average Brit but everything else should be experienced. Personal favourites were Hotpot (so wish we had similar in UK) and BBQ where it's in the middle of the table and you do all the grilling. You can find Pho for equivalent of about £1 if you need shoestring food.
10 wine - some places sell local Dalat wine which is OK but wine is not a big deal in Vietnam and is usually at least UK price if not more. My partner found this hard as she doesn't like beer and didn't want to drink cocktails all holiday. Dalat is perfectly good plonk though - white and red.
11 Hoi An - don't believe the hype. We spent too long here (so sorry Saigon, you weren't as loved as you should have been). It can be done in a day and you've experienced it all. Reviews were lead to believe there was more to it. Nightlife was a laugh in a trashy way though if you want to do the whole Brits abroad thing.
12 Be respectful - my experience was that Vietnamese are a country of grinders who work all hours of the day. So speaking of Brits (or anyone else) abroad be respectful that not everyone you see is there for your photo opp or to help you and those in markets and hospitality are making a living, so don't waste their time. British especially are a nation of window shoppers and I'm not sure that came across too well on our travels. Try to be low key while you weave around the lives of Viet folk.
13 Learn to confidently say "no thanks" - politely saying "no thanks, just looking" and moving on is a valuable tool for getting through certain touristy areas. Engaging with folk will both give that person the wrong expectations and exhaust you in the process.
14 Google Translate - download this and use for basic enquiries. I don't think I was saying Xin Chao, Cam On or Tam Biet properly, so for anything beyond that, I have no clue. Don't assume people speak English - some are good enough to say Hello first to get past that.
15 Find a spot and just watch - find a coffee shop, relax and watch a very different people go about their lives. Things I enjoyed: how cool all the young people are; how obsessed the young folk are about selfies; care of children; karaoke round the dinner table (understand not to everyone's taste); friends enjoying a hotpot; lads fighting a crab into said hotpot; groups of friends having animated toasts after work; care of old folk; many and varied ways to use a scooter to carry people, goods, materials, flat screen TVs, dogs.
16 Beers in order of my personal taste - Saigon Red; Larue; Saigon Special; Hanoi; 333
17 Beer St in Saigon - go walk through it. I have never seen anything like it. Don't necessarily stop there but go observe it's wild, perverse nature.
18 If staying in a hotel, before you head out for the day, soak a flannel in water, put it in a glass, put the glass in the fridge. You will appreciate it when you get back from your enevitablely roasting walk around town (mad dogs and Englishman..).
19 pack for very hot weather (in May at least). I took a set of clothes for UK - these were worn to and from the airport and otherwise lived at the bottom on my bag. Otherwise, shorts, t-shirts and light shirts to keep the sun off. Even cotton t-shirts felt too much at times. My favourite items were a matched black linen shirt and shorts I bought out there. Pretty much lived out of them exclusively towards the end of the trip. Must have announced my musky presence from a great distance. Utilise the laundry services for sure.
20 ignore the rubbish - try to tune it out and adjust your hygiene expectations. This is important as in two weeks, I got blisters, bites, at anything and yet came away without food poisoning, infection or anything else. It's an eyesore at times to these soft UK eyes but don't let it ruin the trip. Hope Vietnam authorities can do more to handle that as it'll mount up the more the country is discovered.
Sure there's more but just offloading after getting back. Hope it helps.
EDIT: More to add
  1. Cash is king but card is accepted - in the UK, because of COVID, cash has definitely taken a back seat to contactless payment. I've rarely had to use cash other than to pay for things off FB marketplace. Vietnam isn't like that, despite being at least as technologically advanced as the UK in certain respects. Always have some dong on you. Few hundred thousand covers small purchases like water, Bahn Mi for the road, restorative coffee, etc. A lot of places do accept card but can come with a 3% fee. And get ready as they take the card and put it into the machine - it's not a scam (at least, I don't think it is) just how it's done. The card machine is handed to you for pin and then half the time they need a signature on the receipt. Monzo is a good bank for travelling as you get free ATM withdrawals on their side up to £100 and you can instantly see the conversion of the latest transactions.
  2. Ice cubes - when I got my travel vaccines, I was told to be wary of ice as much as tap water. From experience, iced coffee from most coffee shops has been fine (thankful in the heat) and cocktails with ice also fine. I'd maybe avoid the street side iced drinks and stick to modern looking bars, coffee shops and hotels to be on the safe side.
  3. Geckos - you may see geckos in hotel rooms and elsewhere. Fear not, they are harmless and like to feast on mosquitos. As with any wild animal though - and includes all the cute looking street dogs - observe from a distance. We shared our cabin in Phu Quoc with a foot long Tokay Gecko which absolutely freaked us out for an evening until the manager told us it's fine and just to leave it be and it'll keep it's distance. Definitely the coolest wild creature I saw.
submitted by ficus77 to VietNam [link] [comments]


2024.05.19 12:03 John_Swift1 How I passed my SHRM-CP (without the Learning System)

As I was studying for the SHRM-CP exam, I came across several posts on here that were useful in helping me along the process, so I thought I would share some information on how I passed for future test takers. Please note that I did NOT purchase the SHRM Learning System. I studied by myself using free online resources and a few books I bought off Amazon. Prep/Study Time
I studied for about 4–5 weeks. On weekdays I studied between 1–3 hours per day, on the weekends I would do 4–6 hours per day, and during the last 7–10 days, I studied about 4–6 hours per day. Of course, I took a few nights off here and there as well. Keep in mind that you may need to study more or less given your work experience (I have a Master’s in I/O Psych and about 2 years of relevant work experience). To be honest, I wish I had started studying 2–3 weeks earlier. I would recommend giving yourself at least 1.5–2 months to prepare for this exam.
Resources:
  1. SHRM BoCK — This is a free PDF that you can download off the SHRM website. I used this resource to guide my overall learning. I dissected the entire document and made flashcards on Quizlet for everything I did not know. In particular, I focused on the “key concepts” for each section and made sure I knew the definition of each term. There is also a glossary of terms and definitions at the end of the document, so I added all those terms into Quizlet as well. The glossary does not have every definition you will need to know, but it’s a good start. For the terms I could not find a definition for, I would either
A) Google it
B) see how the SHRM website defines it,
C) use one of my other resources to find a definition
D) go to Youtube to learn more.
2) SHRM-CP Exam by certexamdb Test Prep: You can find in here
I explored a few different practice exams, but this was by far the most useful. You cannot use this as your only resource, but it is a great start.
3) PHSPHR Professional in Human Resources Certification Study Guide by Anne Bogardus: You can actually find a PDF of this online for free. At some point throughout the study process (usually after a practice exam), you will likely realize that you need to go into more depth with certain concepts. This is where this study guide comes in. I didn’t read it word for word, but I spent a few hours skimming through it, went through some of the practice questions at the end of each chapter, and read in detail certain sections that I was weak on. This resource is very detailed but not too complicated which is great. I would highly recommend allocating 1–2 study days just for going through this resource. Keep in mind that it will provide you with more detail than you need, but you can just focus on the concepts that are relevant to the SHRM-CP.
4) SHRM-CP/SHRM-SCP Certification Practice Exams (All in One) by Kelly and Simon-Walters. About 10 days before my exam, I came across this resource which consisted of 500 questions that were broken down into each of the sections outlined in the SHRM BoCK. When I took the practice exam in the certexamdb Test Prep I scored terribly on the situational judgment questions. This book is GREAT for preparing you for those questions. Just keep in mind two things when using this resource:
It will consist of some questions with terms or concepts that you did not come across in any of the other resources — you can just ignore those (it’s extra information that you do not necessarily need), (2) the quick answer key has some inaccuracies (ignore it) but the answer key with detailed explanations is correct so make sure you use that when scoring yourself. Make sure you answer both the SHRM-CP and the SHRM-SCP questions (they are both relevant). This really helps with the situational judgment questions, but also with knowing how some of the terms and definitions apply in a real setting. When focusing on these questions, I realized that I had memorized some definitions, but I still didn’t know how to apply those concepts. This book helps with that.
5) Quizlet Flashcards created by other people — A lot of people have created quizlet sets (even from the Learning System) that they have uploaded. Those are free, so make sure you use them! Also, some people have even created practice sets for exam questions (which I think are from the learning system as well), so make sure you review those as well! Basic Study Tips: Unfortunately, without the Learning System, there is no single resource that you can use to prepare for this exam. Therefore, make sure you use a few resources just to make sure you get exposed to most of the material that will be on the exam. As you go through each resource, keep revising your flashcards and adding new ones. Make sure you periodically review flashcards as you go rather than waiting to cram everything in a week before the exam. When you go through practice questions, you will soon realize that you often need to know more than just the definition… you need to know when and how something applies as well. For example, you need to know what FMLA is, but you also need to know what the eligibility criteria is, when it is applicable, etc… I had one massive set of flashcards (about 500), and then I also had smaller sets of flashcards for some sections (e.g., a set for HR Laws, another set for Finance/Accounting terms). I would memorize using the smaller sets, but then I went through the giant set I had created a few days before my exam to make sure I knew everything. Do a ton of practice questions and understand why you got certain questions wrong.
6) SHRM LMS Books
Here’s a quick overview of the step-by-step process I took to study and prepare:
  1. Go through SHRM-BoCK and create flashcards
  2. Go through and memorize SHRM Learning System Flashcards (You can find these on Quizlet and search “SHRM Learning System”)
  3. Take certexamdb Test Prep Practice Exam, review, and identify weak areas.
  4. Go through the Bogardus PHSPHR book and focus on weak areas (fill in flashcards)
  5. Memorize the newly created flashcards for weak areas, flag ones that you continually get wrong or confused with.
  6. YouTube hazy concepts and terms to gain a richer understanding, use Khan Academy when applicable.
  7. Retake certexamdb Practice Exam
  8. Go through questions in the book by Kelly and Simon-Walters
  9. Identify weak areas, read through explanations, create and memorize flash cards as needed
  10. A few days before my exam, focus on my large stack of flashcards, go through other people’s flashcard sets, and go through practice exams on Quizlet.
Exam Experience and Takeaways
I finished the exam in a little over three hours. You get no breaks, but you can always take them as needed. Time is likely not going to be an issue. Here are some takeaways that I had about the exam: — There were surprisingly few questions on US Employment Laws & Regulations and Labor Unions. I spent a lot on these sections when studying, but there were not many questions at all on these topics. — The test questions were different than any of the practice exams I had taken (however you should be fine as long as you know the material) — The situational judgment questions can be exhausting with having to read 2–3 paragraphs for each 2–3 questions. — Make sure you carefully read the question. For example, you are often asked “what is the first step you would take” or “what strategy would you use.” These can be tricky, but they can also easily reveal the right answer. — No matter how hard you study, you will encounter a few questions where you come across terms that you’re unfamiliar with and you will have to guess blindly. Just try to eliminate what you do know is wrong and take your best guess. Don’t stress too much about it. — Use the highlight, strike through, and flagging options during the exam. It helps a lot. — Often, the correct answers for the situational judgment questions have something to do with (1) getting leadership buy-in, (2) having HR be a strategic partner, (3) making sure the action is aligned with the org’s mission and vision (4) HR being proactive, (5) doing a needs assessment of some sort, (6) having HR be some sort of facilitator.
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2024.05.19 12:01 Shybella_1114 Looking for a server to host your favorite game?

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2024.05.19 12:01 Cyr13lGame Free Amazon Gift Card - Win Amazon Gift Cards on Playbite

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