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Dance Gavin Dance

2011.12.14 02:05 daftcube Dance Gavin Dance

A subreddit for fans of the post-hardcore band Dance Gavin Dance. News, discussions, live videos, covers, side-projects and much more. Make sure you're viewing the sub off mobile for the best experience, where you can view our menu bar for endless DGD resources.

2018.07.24 13:55 Salforis89 An intelligent platform to manage, invest, trade and spend cryptoassets

Midas Protocol is an intelligent platform created for crypto-traders, from newbies to experts. We aim to be the smartest universal wallet for all essential crypto needs, from safekeeping, intelligent trading, portfolio management, easy conversion to fiat and spending of cryptocurrencies. More info on Midas Ecosystem:

2017.09.19 07:32 CookyDough Mixing, Tumbling & Anonymizing Crytopcoin transactions

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2023.03.29 12:00 CapitalLigament UtopiaP2P - All in one toolkit for Privacy, Earning and more Listed on CMC and CG

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2023.03.29 11:58 Caradon16 Playing Rappan Athuk soon

Hey there Pathfinder Reddit.
As the title might suggest I'm gonna play in a Rappan Athuk campaign soon. Our characters start at level 1 and I have one free backup character slot which I haven't filled yet.
Do you have any suggestions for this last character or any tips in general for players in this mega dungeon? Every third party material is allowed. My characters so far are a barbarian titan mauler, a mutagenic brawler and a harmacist scholar from spheres of power.
No spoilers please :)
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2023.03.29 11:53 jastbrowsing Just maxed-thoughts? Are they any good

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2023.03.29 11:42 accidentlawyer03 School Bus Accident lawyer

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2023.03.29 11:31 WarmStew23 The War of Tears - Chapter 2

File - Journal Entry Report - Elias Dexter
Species - Human
Date Stamp - December 2, 3023, Standard Union Time
Location - TAS LockHaven, in deep space

The Union accepted our plea for a war declaration. We should have been happy, right? The truth is none of us were happy. Video footage of the Grim’s attack on our expedition spread through the Union media like a wildfire. It was practically impossible not to see it. The Union stated there was going to be a mandatory draft. Something like that didn’t affect us, the Terran Alliance had already met their quota within a week after the draft announcement.
I was already a First Lieutenant in the Terran Alliance’s Army, so any draft already didn’t apply to me. It just meant the most likely scenario was our immediate deployment into no man's land. The Terran Alliance, or TA for short, wasted no time drawing up battle plans. While the rest of the Union drafted and trained their militaries, the Terran Alliance, along with the Luthal Commonwealth were set to launch a coordinated preemptive invasion on the Grim territories. Little is actually known about the Grim, other than the fact that they have the ability to consume us. They have some kind of technology that would allow them to drop us out of FTL in a moment's notice.
But I suppose I should start at the beginning of the battle, I’ll try my best to remember as much as I can. During the briefings we were given we were told we were about to take the planets most likely to be their outer worlds. Planet hopping a few of us even called it. The plan was derived from what the old United States did over a millennia ago in one of their major wars. But what most of us overlooked in the history books was how bloody those battles were.
The first mission would put us on a Grim planet you could say bordered the sol system, it was the closest habitable system to sol inside no mans land. The planet, we would later find out, the Grim called Drug. I'm not sure why the Grim gave one of their planets such a bland name but that was the least of our concerns. Our top priority was to eliminate all military assets on and around the planet. We would conduct orbital bombardment to soften up the anti-air defenses we knew had to be there, then we would drop in all sorts of assets. Tanks, armored vehicles, portable command centers, anything we should need in case of a long, drawn out war.
However, our first mistake was assuming we would make it to Drug easily. I know I mentioned we knew about the FTL disruptors, but the TA must've overlooked that key piece of intel. Hell, we all watched the video of Captain Hugh Adam’s crew. They experienced the FTL disruptors first and even warned us about them. Even the commons soldiers knew that.
I was in the mess hall when it happened, attempting to down what I speculated would be my last good meal for the foreseeable future. My closest friends in the service, Christian Newman, and Julian Smith sat across from me on the other side of the table. When the FTL disruptor hit us, there wasn’t much the Inertial dampeners could do to soften the blow. The table, along with myself, flipped over my two friends. I ended up landing on top of the table, which crushed them both. I rolled over, noticing I spilled some of my dinner on myself.
I quickly helped my friends push the table off of them, both of them rubbing parts of their body that the table must have hit. An alarm started blaring just in time for us to regain our sense of reality.
“That’s the battle sirens,” Julian spits out, “Bastards must have intercepted us, they must really not want us to make it to their planet.”
“Whatever, lets just head to the armory, I’ll fucking kill the bastard who made me spill my potatoes all over my uniform,” I mutter. We jog down to the armory and fit ourselves with our vests, knee guards, helmets, and our weapons of choice. Personally, I prefer a rifle, but Julian has always preferred the shotguns. Whenever we would go to the range to practice our shooting, he always boasted about how he puts bigger dents into the targets, especially at close range.
After I finish grabbing the last magazine of ammo I need, I have to push through a dozen other soldiers who need to grab their gear. I walk back out into the hallway, where Julian and Christian are already waiting for me, and secure my final magazine in my vest.
“All units, prepare for a Grim boarding party, I repeat, prepare for a Grim boarding party!” the loudspeaker shouts to all of us. “Grim forces are docking from airlock 3-C on the starboard side!”
Airlock 3-C? That should be right below us, I think to myself.
“Let's go,” Julian shouts to me and Christian. We follow him to the stairwell, where we can already hear intense gunfire.
“God damn it,” Christian says, “How the hell did they catch us with our pants down this far?”
“Relax,” Julian says, as we fly down the stairs. “Let's just focus on getting out of this alive.”
I open the door to the hallway, when we open it, one of our soldiers flies past us and lands hard on his back. When he landed, the three of us could clearly hear the snapping of some kind of bone in his body. The soldier shrieks out in pain. Christian quickly rushes to the soldier, while me and Julian turn our attention to the direction of the airlock.
There has to be two or three dozen Grim already on our ship, with several more barreling their way in. Several dead Grim soldiers blanket the floor in front of the airlock, their fellow soldiers walking over their bodies as if they couldn’t give a second thought about them.
I rest my rifle on a storage crate and begin to unload my ammo onto the Grim soldiers. I attempt to save several Terran soldiers who have gotten themselves cut off from retreating to us, but there is only so much I could do. I watch as one of the Grim appears to absorb one of our dead comrades. It's as if their skin opens up to allow the human into their body, and their body immediately breaks down everything. I put a bullet into the shoulder of one, missing the headshot that I was aiming for. Reinforcements pick off the remaining Grim soldiers from behind. Roughly two dozen soldiers stand on the other side of the dead Grim boarding party. Julian is the first one to point his shotgun in the storage room.
“Get the hell out here you bald headed piece of shit,” he shouts. The Grim soldier walks out with his hands above his head. Amazingly, the wound on his shoulder has healed.
“I shot you,” I shout, “Why the hell isn’t there a gunshot wound on your shoulder?”
The Grim soldier smiles, “It is the energy I stole from one of your pals, my body converts energy much faster this way, and the more energy I have, the quicker my body heals itself.
Julian shrugs, “Alright, let's test that out real quick,” he lowers his shotgun to the Grim’s knee, I grab the barrel of his gun and point it away.
“Relax, we captured one, we can’t go executing prisoners. Just detain him and help gather up our dead and wounded. Me and Christian will help board their ship. Clearly they underestimated us.”
Julian nods in agreement. Clearly watching our fellow soldiers getting eaten like slaughtered cattle was something that bothered him, hell it clearly bothered all of us. But it was clear he needed to process the situation on his own. I glance over to find the other soldiers had already abandoned us, all but two, who detain the Grim soldier while Julian watches.
“Christian,” I say, getting his attention, “me and you will catch up to our boarding party and back them up in the event they need it.” He gives me a nod and we head for the airlock.
The sheer smell of the Grim ship is overwhelming, we can smell it before we even reach the airlock. I quickly clear the airlock, even though Terran soldiers entered less than five minutes ago, we were taught never to assume an area is cleared unless we were the ones who personally cleared it. The other side of the airlock is dark. Given the Grim’s physical appearance, both their lack of body hair and pale body, I estimate the Grim must prefer dark environments. Me and Christian flip down our night vision goggles and enter the ship.
The hallways were probably three or four times the size of ours. It is clear from out initial observations the Grim must really appreciate personal space. We hear a couple of gunshots echo from the left side of the airlock, so we begin to make our way down towards the sound. We quickly pass few rooms, so far all of them appear to be storage rooms.
After another minute or so walking down the hallway, we catch up to the Terran group, who stand posted up aside from a large steel door.
“God damn it Dexter, we almost shot your ass, don't ever sneak up on us like that again,” Sergeant Morgan Chang states. “Several Grim soldiers are barricaded inside this room, the door is too thick for us to open it. What should we do?”
Since I am technically the highest ranking officer among us, It makes sense they would look to me, even if it did catch me off guard. “Honestly, depending how thick the door is, I say we weld their asses in there. But that probably isn’t the smartest tactical solution. Just use some C4 to blow the door in and we’ll just pick them off.”
The soldiers nod in agreement and begin deploying a large amount of C4 to the door. After they are finished, they hand Sergeant Chang the detonator. “These bitches are about to find out exactly why you dont fuck with us,” She says, then she squeezes the detonator, blowing the door inwards. Five pops from Chang’s soldiers, then silence. Myself and Chang enter the room last, with Christian keeping post outside, to inspect the damage.
Six Grim soldiers dead, which is odd because I only remember hearing five shots. “I thought I only heard five shots?” I ask Sergeant Chang.
“That is my fault,” one of her soldiers says with a smile. I look at the nameplate, which reads Fraizer. “They lined themselves up, so I guess one bullet went through both of their skulls,” he says.
After confirming all six Grim soldiers are dead, we move on. We still don’t know much about the layout of the Grim’s ship, but we ignore our ignorance and continue to make our way down the hallway. After another 100 feet or so, we reach the end of the hallway, only a secured door sits at the end of it. I sit back as Chang’s forces follow the same procedure from before to blow the door open.
This time, me and Christian sit back as they clear whatever is on the other side of that door. “Uh, Lieutenant,” I hear Chang’s voice shout, concerningly, “You might want to come take a look at this.”
I leave Christian behind as I enter the doorway. On the other side however, it appears to be some kind of holding center for prisoners. Blue light emits from the shield that holds its prisoners inside. I lift my goggles up to inspect the holding area. Four out of eight cells are in use, and the prisoners are all of the same species. The prisoners appear to be almost rat-like. They seem smaller than us humans, comparable in size to the Luthal.
“Who are you?” I ask one of the creatures, but get no response.
“I already tried that,” Chang replies, “They must not have neural-transmitters like we do, so we probably won't be able to speak with them, unless you have a portable translator device.”
“No, we don’t, we’ll have to get them back to our ship, I’m sure we have something back there,” I reply. “Free them, make sure you make no threatening gestures, if they struggle, then detain them. Our safety comes first, but just remember they are prisoners to a species that eats other creatures by touching them, so they are probably scared.”
Chang’s soldiers nod in agreement and begin smashing the controls to each cell, releasing the blue shield keeping them locked away in their cells. The frightened creatures follow us out of the holding cell.
“All Terran forces fall back to the LockHaven,” We hear over our radios. That order can only mean one of two things. Either the Grim are retreating, or we are. We secured the alien prisoners with cuffs, which I hated to watch Chang and her soldiers do, and began to head back onto the LockHaven. After securing the airlock, we watched the Grim ship disconnect from ours. Out the airlock’s window we could witness our ship and the Grim’s exchanged plasma fire. After we put a good distance between us and the Grim ship, dozens of missiles rocketed towards the Grim ship. The missiles collided in an explosion, leaving only debris where the ship once stood. I look around the space near us to see we were the last ones to ward off our boarding party. I don’t know if we all succeeded, but it definitely looks like we kept most of our fleet intact.

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2023.03.29 11:19 Super-Office5235 A great horrorlit podcast - Talking Scared

Maybe I'm super late to the party, but I recently came across the Talking Scared podcast:
I hadn't really seen it mentioned in this subreddit before, but it's got over a 100 episodes now and features a lot of authors that are also regularly recommended here: John Langan, T. Kingfisher (twice!), Paul Trembly, Stephen Graham Jones (also twice), Grady Hendrix, C.J. Tudor, Margaret Atwood (yes!) et cetera. I'm especially fond of one of the newest episodes, with Victor LaValle (go read Lone Women, peeps). The host really knows his stuff, but at the same time the interviews are really accessible, and importantly spoiler-free.
So yeah, I'm having a lot of fun going into the back catalogue of the podcast now, and I'd really recommend it to the rest of this community.
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2023.03.29 11:15 cprmtn Help with Endgame

My group of 2 years is coming to a close next session. I want to give them a great ending but med school test season is upon me and my creative energy is being diverted elsewhere at the moment. Reddit DMs help me sharpen my gameplan!
The party (Level 13) found the sword, and decided to work with Bel and Garguath to overthrow Zariel and return the city of Elturel.
Last session, the party joined a major blood war battle under Elturel with Zariel at its head, and decided to sabotage the devil advance in order to keep Zariel occupied. They have been less interested in converting zariel back to an angel so they are just working to undermine/eliminate her
In game the party decided to split up (against my better wishes) so I am going to run the session from two perspectives:
Lulu, Warlock+sword of Zariel, Halfling rogue are in flight towards the companion with the adamantine rods. I'm going to have them face an erinyes protecting the companion, unlocking it will free the planetar who will tell them they need to break the chains in order to save the city. The party doesn't know how to break the chains, so throughout the process of the fight I was planning on having the warlock's blood fall on one of the chains and Kroek'toek is going to immediately change course and chomp through the chain. My hope is they will start to work on breaking the chains, an effort Yeenoghu (now close to the city due to the sabotage on the devil front) will try to block.
In the meantime, an ent druid, ranger + hellhound pet, and barbarian are heading towards zariel in a bid to distract her, they are currently locked in a battle with two Hezrous and Lucille. I'm planning on garguath showing up to help pave the way towards Zariel. Who's going to ring of fire around them and try to turn the barbarian (who signed a contract) against the party with promises of a life of carnage. As this fight progresses I'm hoping the group will reconvene and the warlock can have an opportunity to prevent a TPK with the sword. Kostchtchie is also free so he can come distract zariel in a pinch.
I think I have the barebones of a great session, but any specific events or obstacles to put along the way that would be exciting and take away from a long combat slog?
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2023.03.29 11:13 Sorry-Ruin-62 story time #1 in my hogwarts dr !!

hello everyone! since a lot of you have been asking me for a storytime of sorts, i figured why not make a post. i haven't shifted to my dr for like a week (like 5 days) now, so this is gonna be about my day in my dr before i shifted back. :)
i'll try making it as detailed as possible! (i kind of suck at storytelling so bear with me here.)

so, the last i was in my dr, it was nearing a full moon and rem was... not in the best condition to say the least. i usually hate shifting back before full moons because i always want to be there for him when it happens but with all the stress that had been going i wanted to take a break(?). he always gets all twitchy and sensitive to a lot of things when a full moon's approaching, and no matter how many times i've lived through that experience with him, it still breaks my heart to see him like that. :(
i'm also afraid of "the prank" (i don't know how many of you guys know what that is) happening, even though i could probably script it out. but the fear is so deep in my heart that i'm afraid i'll subconsciously end up shifting to a timeline where it does happen. (kind of like how i never scripted wolfstar to happen but it did, WHICH IS ADORABLE, they're literal soulmates.)
we had breakfast, and i had transfiguration first. but since we had already completed our transfiguration owl (WHICH WENT SO WELL, I WAS SO RELIEVED) we had a substitute class. basically how that works is, when you complete a subject's owl, that subject is essentially "dropped" until your next year. (as long as your score is on par with the professor's requirement score, of course.)
anyways, i had potions as the substitute subject. and god, do i hate potions. listen, it's nothing against professor slughorn (although he does get kind of annoying sometimes, with his endless invites to his slug club parties, which i've heard enough of about from moony to a 100% not wanna go.) he's honestly a fine teacher, and he teaches very well. it's just that i SUCK at it. i don't get why. the theory part i can do it's pretty easy to just memorize the potions and their ingredients + effects blah blah. but we usually have practical aspects that we need to pass in order to reach the o level of owl's. my next shift i have one lined up and i'm genuinely stressed about it.
practical work (for potions) works like this, you usually have the professor hand you a paper in which he states the name of the potion to be brewed. they're always short-term brewing potions since it's mandatory to complete them during the hour of the class. and once you were done with the potion, you would leave and wait for your results the next day. if you wanted an o on your owl's, your potion had to be perfect because if your potion sucked ass but you did really well in the paper, you would still only get an e. it's extra annoying because slughorn never gives us a concrete list of potions he might ask us to brew. we just have to assume! (it's a very long list of assumptions.)
anyways i got too technical sorry, i finished potions class and i had history of magic next. i don't hate history of magic but it really isn't a thrilling subject AT ALL. it gets boring very fast. the only upside is being seated next to pads. (even though he never lets me take notes, like EVER.)
i'm not gonna lie, most of the day was spent either in classes or in the library. the library is FILLED these days because of owl's. i've started just studying in my dorm because the library is just too noisy. ( doesn't matter how many shh's madam pince lets out lmao.) that is of course, unless i'm being tutored by either lily or ari.
nothing too special happened in any of the classes to be honest. we started our topic on bowtruckles and they're ADORABLE. i could make an entirely different post about them. (better than porlocks for sure.)
i spent a lot of time with rem, in the guise of "studying". (i just really wanted to check up on him, but he hates getting "babied", his words not mine.)
one of the things i hate seeing about rem is how determined he gets about not missing classes (even though he literally has a permission slip from poppy to do so whenever he pleases. if i was him i would ABUSE the hell out of it not gonna lie.) he's always up early, gets to every class early LIKE WHY. the only time he rests is the day of the full moon. he always looks like he's been through hell and back until he finally lets himself rest. sometimes i wish i could just stupefy him and strap him to the bed. (i won't lie i've tried it before, my stupefying skills aren't very good.)
quidditch practice was cancelled. AS DEPRESSING AS IT WAS, i get it. frank (who's our captain) has been so stressed that alice keeps teasing him about already growing grey hair LMAO. they have their newt's right now and i've never seen frank more stressed in my life. (not even when we almost lost to ravenclaw during that one match.) i hope we get more practice soon. i love waking up at ass o clock in the morning just to practice.
anyways, after dinner i went over some more potions coursework with lily, (she's insanely good at potions, and since rem was too tired to help me out, i asked her for help.)
me and pete dropped moony off at the hospital wing (poppy was fretting so much over him, which validated me very much.) and we got back to our dorms.
that's kind of all to be honest. i'm pushing back on shifting back because as i've said before, potions practical work is nearing and i'm DREADING it. so.
feel free to ask any questions! :) i hope this was a fun read.
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2023.03.29 10:57 Brahmaster A forum post on quality of life improvements for Diablo IV

  1. Add a party recruitment tab/Party Finder. Say, a bill board at a town tavern, town square, guild building, or at least accessible from a menu tab.
  2. Add a Quest Tab/ World Event Calendar tab, where you can keep track of world events and their local time countdowns.
  3. Add Event Planner attached to Event Calendar, feature to set a reminder alarm for events you want to attend with their timers.
  4. Allow us to save our communication rose settings to all other characters on our account. Currently we have to set up the emote/quick bar manually for all characters.
  5. Allow players to choose a Title that is prefix- or suffix only, not both. So, not "Unfettered Drifter" but just "Drifter".
  6. Add a rare travelling vendor that moves across overworld randomly that sells rare ingredients (like "fiendrose" that is needed for enchanting affixes, but only available during hell tide).
  7. Add export option for saved build presets to external databank, social media, or friend message (like in HotS).
  8. Make "inspect player" able to see some of their skill build too.
  9. Add model talking animation on vendor window. They move, and talk but mouths aren't animated.
  1. Add practice dummies in a section of town (damage gauge for build/rotation testing).
  2. Evading when standing over the laddejumping terrain should do a dodge if mouse cursor isn't over the footsteps icon. Some ladders had this problem.
  3. Add Ability to use potion on ladder (panic saves and DoT).
  4. Add Ability to cancel going down ladder within the first 0.75 sec of descent/ascent if you've made a mistake, by double clicking "interact".
  5. Add Option to disable potion sound from allies/raid members (12 people doing a world boss all "blurbing" potions loudly ruins the immersion).
  6. Add Option to disable excessive item/cooldown voice prompts; ie. "It's not ready", or relay it with a sound effect, ie. a tick.
  7. Reset deathblow cooldown if the target dies when the animation initiates. Sometimes it dies mid-swing animation and Deathblow goes on cooldown.
3) UI
  1. Make Area name labels, event complete label ("EVENT COMPLETED") overlay at the top of screen able to be dismissed or made transparent- it covers a 3rd of the screen while you're mid-fight.
  2. Add function to hide Quest summary under minimap.
  3. Add Health bar indicator to show 80% Life (a mark/horizontal line) - Important to know where Bubble shield buff activates, or where you are in "Healthy" 80%+ range to apply certain buffs.
  4. Add Party Stat breakdown after boss fights, and world boss fights- display to all members the top damage and CC (stagger bar) contributors. Something to compete for.
  5. Add in-game clock showing time of day/night. Announce morning and evening with a rooster cockadoodle/ wolf howl (Warcraft 3 feature, optional).
  6. Some aspect modifiers do not have status effect icons.
  7. Remove "IMMUNE" status effect (bug) over enemies, and add function for selective status effects (I dont want to see "TAUNT" + Skull icon covering the screen if using "Challenging shout" in a big group of enemies).
  8. Add function to rescale or move action bar, not just "center or left".
  9. Add separate tab for character "stats".
4) MAP
  1. Tabbing in and out of map should resume/keep the same location and zoom as before being tabbed out, not reset automatically to character location.
  2. Add Ability to ping map for allies with warning, and waypoint signals.
  3. Add function to highlight your own position indicator on Tab map, and also ping your own location to party.
  4. Add function to lable waypoints on map, or have different waypoints active at the same time with different colours like BotW.
  5. Add highlighted icon on Tab map to show exit portal that connects you to the town from where you teleported.
  6. Add a clear indication on world map which dungeons have been completed, not just a recent and expiring green check mark. When you load back into game you don't know where you've been by just looking at the map.
  7. Make it obvious that players can zoom out to Overworld map from the dungeon map.
  1. Separate body and face tattoos.
  2. Separate earrings from nose rings.
  3. Add function to change hairstyle in wardrobe, or at a vendor that can provide this service like FF14. Keeps things fresh and we don't have to remake a character to get a new hairstyle.
  4. Add "SNAPSHOT MODE" for wardrobe to export fashion photo and share on social media. (Potentially add emotes to this mode).
  5. Add Ability to set default character that greets you in the main menu showcase background, seems to be the last character you create/use.
  6. Make Rogue able to hide bow on back. Can show "unequipped look" in wardrobe, but upon "confirm" re-equips bow, so might be bugged.
  1. Add an optional ("don't show this message again") CONFIRM prompt on gem drops. If you missclick it costs 5k gold to remove that gem.
  2. Add option for players to salvage the transmog of an item that gets an aspect imprinted onto it, and thereby changes the look of item when it gets upgraded to legendary. This has robbed some from the desired transmog without warning.
  3. Add text window that shows what slots that aspect can occupy before extraction. Sometimes you extract an aspect only to realize the aspect will not be placed on gloves, but only weapons.
  4. Clicking outside of Character Window (C) should automatically close it (optional). Makes quick view and quick move possible, especially if you accidentally tap it in battle.
  5. Add a "confirm" prompt on skill point reassignment so that you can reassign points without having to free up other supporting nodes before migrating them to a new supporting node. (Let players lift skill points and put them down again without having to temporarily refund points).
  6. Add Drag-select/ window select function for multiple items in inventory.
  7. Add a Preset loadout tab for skill point assignments, I assume this is coming, but a saved list of aspects at time of build would help too. Make it exportable too.
  8. Add function to lock in item text tab of a particular item so that it stays up while cycling through other items for comparison by mouseover.
  9. Add function to, eg. "Press ALT" on item window over an aspect to instantly highlight all other items in inventory that have the same aspect for quick locating.
submitted by Brahmaster to diablo4 [link] [comments]

2023.03.29 10:51 loanpandit2023 Bill discounting

Bill discounting
Bill discounting is a commercial activity in which a firm sells its outstanding bills to a funder who agrees to reimburse the company later. With bill discounting, the company discounts outstanding bills to obtain short-term financial help and maintain working capital. Invoice discounting is another name for this technique. The Negotiable Instruments Act of 2010 governs this process. With the TReDS platform, there are two techniques for discounting a bill: factoring and reverse factoring. Both strategies are intended to accelerate and boost cash flow without affecting the balance sheet.
Bill Discounting is a type of short-term financing for merchants in which they sell unpaid bills due on a date in the future to financial firms in exchange for a commission. The Bank acquires the bills (Promissory Note) well before the deadline and credits the amount to the customer's account after a discount fee. The Bank will collect the bill money immediately from the debtor on the bill's due date. This allows traders to manage their free cash flow and business cycles while keeping their balance sheets intact. Lenders often provide tenors of as long as 180 days even while providing bill discounting services.
As a result, the seller receives a reduced payment for their bill. This allows them to continue operating their businesses while purchasers benefit from a more extended credit period. On the given deadline, the seller pays the financial institution, completing the cycle for that specific invoice. Because the seller receives money at a 'discount,' this process is called Bill Discounting.


Assessing the vendor and the buyer: Before granting bill discounting, the banks or NBFC investigates the seller's and buyer's creditworthiness. This is performed to ensure that the purchaser does not fail to make the bank payment. The most noticeable element of bill discounting is the availability of quick cash to the customer.
After discounting the bill, the bank or NBFC acquires the invoice and pays it instantly. This makes the seller's life easier. They are paid immediately and do not have to wait for the customer to pay.
The difference between both the face value of an invoice as well as the amount accepted and released by the bank is referred to as the discount.
Maturity: The maturity period of a bill is the date on which the invoice must be paid. The typical maturity time is 30 days, 60 days, 90 days, or 120 days.


The eligibility requirements for bill discounting vary per lender and are typically determined by the financial institution's leadership providing the service. Nonetheless, the following are the most typical bill discounting criteria:
  • The business must have been in operation for a fair amount of time. Most financial organisations need a minimum of three years of experience.
  • The seller should have dealt with at least two investment-grade firms.
  • A credit score of 650 or higher is required.
  • The company must generate a minimum annual revenue of one crore.


As a cash transaction, bill discounting benefits all parties involved: the vendor, the purchaser, and the financial institution. The buyer and seller can steady their cash flow, whereas the financial institution may profit from the funds lying with them.

The following are the unique advantages of bill discounting:

Enhances cash flow position:

To survive and flourish, all businesses, large and small, rely on cash flow. Bill discounting facilitates speedy cash flow into the firm, allowing it to survive and thrive. The quick money could be utilised to pay staff, buy supplies for a subsequent order, or to purchase a new asset.

Gives immediate access to cash:

A bill discounting service is a quick and easy solution for a seller to get payment on their invoices. It enables companies to better control their working capital and keeps the working capital cycle short. Most banking institutions, including MYND, provide funds between 24 and 72 hours.

There is no collateral involved:

Bill discounting is a pretty easy technique. It does not need much documentation. Second, the seller is not needed to offer collateral security to receive the payments. The invoice is sufficient collateral to obtain the funds.

There is no debt:

Obtaining cash through a bill discounting service does not place the buyer in debt. In this case, the purchasers are paid against the bills, which are already paid as a result of them. It only facilitates their acquisition of funds. As a result, it creates no debt burden for them. Compared to typical lending approaches, a bill discounting service is risk-free.

There is no effect on the balance sheet:

The bill discounting facility generates no tax burden. It's more of a spontaneous, impromptu procedure. As a result, it does not affect the company's financial sheet.


Bill Discounting is, however, one alternative, which allows a company to get paid quickly for their job and fulfil their running expenditures without relying on an outside agency. Bill Discounting, or Invoice Discounting, is just a business transaction in which a seller offers products or services to a buyer.
The buyer must pay within the agreed-upon credit period. If the buyer requires funds sooner, he might contact a bank or an NBFC and sell the invoice to them. The banking institution verifies the buyer's invoice and then pays the vendor on their behalf. They do, however, make some reductions, known as 'discounts,' as their commission.


1. What exactly is bill discounting?

Business discounting is just a type of commerce that allows sellers to receive prompt payment for their job. It enables them to pay their operating expenditures without relying on external funding sources.

2. In the event of bill discounting, what would be the repayment period?

The payback time is the same as the credit period granted to the seller by the buyer.

3. Is bill discounting considered a sort of company loan?

Indeed, it is a business loan provided by financial organisations such as banks and NBFCs. The amount of this form of company loan is sanctioned based on bills or invoices supplied by the lender.

4. Is GST, TDS, and VAT levied on bill discounting?

No, GST, TDS, and VAT do not apply to bill discounting.
submitted by loanpandit2023 to u/loanpandit2023 [link] [comments]

2023.03.29 10:50 Critical_Tavern [LFG][Paid][$25][1/5 Seats Filled][New Player Friendly][Online][Free Session Zero Today][Safty Tools][Roll20][5PM PT][8PM ET][9AM JST][11AM ACT] Tales from the Yawning Portal (Group Name Pending)

Link: Game: D&D 5e Group type: Online (Roll20) Experience: Beginers Welcome Location/Timezone: See the Roll20 game listing in the link above for the time in your distinct timezone, North, South and Central America it will be late night/evening on Wednesday. For those in East Asia and Australia it will be in the morning on Thursday. Schedule: Weekly Roles sought: 4 more players (at least 1 more to start) Price: $25 USD for a 4 hour session via PayPal.
Welcome to the dungeon crawl extravaganza, heroes of the realms! We are just starting our adventure. We will soon dive into "The Sunless Citadel" the first adventure in this series! There is a long journey ahead!
Tales from the Yawning Portal will be a campaign focused around some of the toughest and most dangerous dungeons to be released for Dungeons and Dragons! This campaign will lead you on amazing adventures from level 1 all the way to level 16-20 as you face off against a mighty lich as you seek out their phylacteries!
Time This will be a weekly campaign that will last about a year in total. Sessions will be 4 hours long. Sessions will be held at the time listed in this listing. If you are using a VPN, your time might differ from the actual listing time, so please double check.
Communications Out of game communications will be handled via the Critical Tavern Discord server. In-game communication, voice and video, will be handled via Roll20. Video is optional, but you will need a microphone and an account on Discord to participate.
Payment This game will require payment to the Game Master at a rate of $25 per person per 4 hour session via PayPal. If you feel like supporting the Game Master further, this game allows tipping the Game Master at a rate of your choice. Roll20 is not responsible for any payment transactions and cannot enforce any private arrangements.
Safety Tools This game will use a few safety tools to help make the game a more enjoyable experience fro everyone!
Session zero: Session 0's are used to start the game, opening up with communication, setting expectations, and discussing any safety tools that will be used at the table. Everyone will get a free session zero regardless of when they start.
Lines and Veils: Lines and Veils set the boundaries of the games. Lines are hard limits for content the group doesn't want to participate in, this means that content will not be in game, referenced in game, or alluded to. Veils are soft limits, meaning that when the content arises it might be mentioned, but not described, or it could mean that when the content shows up, it results in a “fade-to-black”.
Open Door: Open-Door is an assurance that anyone in the group can take a break from the game for their own safety and well-being without judgment. This should be made clear to the group.
breaks: For long games or stressful content, having built-in breaks allows the group to stay focused and process content. This time can be used for bio breaks, conversation, or any other necessities. Anyone can take a break at any time, but there will also be a set ten minute break some time during the game so that we can all refresh.
Stars and Wishes: Stars and Wishes are used to reflect and discuss feedback in a positive way. Stars are used for things that participants enjoyed in the game. Wishes are things that participants would like to see in the future. Both players and the GM can express their stars and wishes to make the game better.
Safety tools will be further discussed in session zero and marked on the private game channel in the Discord server so that we can refer to them.
Content Warnings -Character Death -Violence -Language/Cursing -Blood -Drowning
Character Creation Details We are using D&D 5e rules. Characters will start at the same level as everyone else in the party. We can talk about what level that is in your session zero.
I will be sharing compendiums with players in my game for creating and leveling up your characters. This will include all first party books and a bunch of third party content. Third party content includes some books by Kobold's Press such as Tome of Heroes. If I have a compendium shared with you in game the content is allowed. All Tasha's optional Class features are allowed, and we will be using Tasha's Custom Species rules as well.
Stats are generated either by standard array or by rolling 4d6 and dropping the lowest then assigning the values in the order you choose.
The campaign will run from level 1 to levels 16-20 and will be a mixture of leveling by experience and leveling by milestone.
Player Expectations: -I realize this campaign is designed for both new and experienced players, and will work to make sure everyone at the table has a good time, regardless of skill level. -I realize that life happens, and am able to communicate on a timely basis anything that may come up to cause me to miss a session. I will also be gracious to others in the group if they need to miss a session. -I will stay engaged while we are playing. -I will not be rude or disruptive. -I have a microphone with good sound quality and a stable internet connection. -I will download Discord for out-of-game discussion and communication.
DM Expectations: -I will be on time to games, every session. -I will communicate clearly and in a timely manner any schedule abnormalities or other issues. -I respect all players equally. -I will be thoroughly prepared for each session. -I will be fair in my rulings. -I will provide a high quality collaborative experience which entertains and challenges.
What the DM can bring to the table -Encyclopedic knowledge of this game system's rules. -Tools to help new players and newcomers to Roll20 to get acclimated to the game. -Community and Support: The Critical Tavern community is growing every day. Get connected with others online and make friends through TTRPGs and Discord. -Content Support: Lots of materials for Roll20 VTT and in-depth experience with API and macros. -Macro Support: I can write a macro for your character sheet at your request. -Character Support: I will work with the players to make sure that they have the tools to tell their characters' story. Setting individual goals and creating events to make a one of a kind experience for you. This includes character support outside of games by messaging. -Fast paced TTRPG gaming: Through the use of mods and other tricks I can keep the action going and make it so that you never wait more than a minute for your GM to finish their turn.
About Me My name is Eddie, I'm a pretty experienced GM. I've been playing 5e for 8 years now. Recently I've been branching out into playing other systems, but I keep coming back to 5e. I'm currently running 6 campaigns and weekly one shots. I'm a content creator on Roll20 and a Translator. My second language is Japanese. I've only only started DMing full time recently, but I hope I can give you the experience you are looking for.
DM Style It varies from game to game, but something that is consistant throughout all of my games is player choice and interactions matter. This game is going to focus heavily on the dungeon and the arcane nature of it. There will be a pretty good balance of combat, puzzling, challenge, exploration and approach scenarios for players to dive into as a group and a few extra suprises along the way.
I like to reward variablity in play and creative approach within the rules of the world. I engage players based on their wants and needs and try my best to facilitate their ideas. I want to let you guys do cool things with you characters and help you create your stories however they may play out.
Applications Please, submit your applications in the applications thread in the link at the top of this post.
submitted by Critical_Tavern to lfgpremium [link] [comments]