Moen cash flow rewards
The Foundation for Blockchain-Powered Logistics
2018.05.30 03:21 1levelhigherthanyou The Foundation for Blockchain-Powered Logistics
The Open Enterprise Logistics (OEL) Foundation is a non-profit organization providing governance and resources for the development of the OEL blockchain ecosystem. The OEL ecosystem comprises the open-source OEL Enterprise Architecture, OPN Token and members of the OEL Alliance. A global initiative headquartered in Hong Kong, the Foundation promotes innovative blockchain technologies for enterprise logistics applications.
2023.03.30 13:00 ZagureppinSG One of those "paid by infinity ward" posts
I fucking love this game and its so sad to see where its headed.. im putting it next to WoW and i thought id never see myself love a game like i did WoW
Before my fellow redditors snap on me for having no life and arguing about a game, it's a night shift with nothing to do and a guy who loves shooter games since playing medal of honor on ps1 and every cod besides black ops.
I've read so many negative posts and comments on actual decent gameplays talking shit about the game.
I will start with things that do need fixing. Many bugs that are not acceptable, that affect the game in major way. I accepted this in wz1 because it was a first heavy (cant find a right word, not s native english) br game, they had to mess up somewhere and now there is no excuse that can save them.
Audio is the worst i ever experienced but i na weird way. Some cases i can count how many steps it will take for a guy to get to me and then there is a case where someone full sprints and no step was heard.
Buy stations buy stations BUY STATIONS PLEASE with no fucking limits. Uavs are must in the game if you wanna engage.
Map is beatiful but way spread out. No uavs,so you depend on hearing shots to go that way but guess what, cant hear shots cause they mile away so you randomly push poi just to find no one there.
Bots are unforgiven, one thing i actually cant believe they did was adding bots along with dmz.. no sense
Now to actual topic of how wz1 was soooooooo much better.
Ttk is not an issue I watched jgods video and lets say mp5 had 504ttk and lahman had 450, taq56 is 864 while most ars in wz1 are at 700.
Issue is rpk/fennec that was the only loadout i seen in 2 months when i drop somebody and their ttk is stupid.
Headshot multiplier should be tweaked a bit but i still get it, reward those who go for headshots. It used to piss me off that i needed more than 10 smg bullets to the head to drop somebody, now 3 to thr head, 2 to the neck and fella is gone, i love it. However, i understand its 30 minute br and you should not get deleted in 2 seconds.
Why the fuck would somebody run 20 minutes to be shipped out of lobby in 2 seconds, i get it.
I hope someone here explains to me what the issue with movement is. I was 1.2 kd in wz1, couldnt break a single angle, mostly tactical plays and now at 2kd in way sweatier lobbies, i play with opponents, hitting them with 'left right left right up down behind dead". Somebody with actual sense for the game, please explain whats wrong with the movement.
I never had a quad wipe in wz1, now iget them daily. I played waaaay more wz1 than i do wz2 as all of us due to covid. I truly don't understand whats wrong with the movement
Any feedback is appreciated, cause i wanna see the community back to where it was. Im down to protest so they can actually start working on the game instead of just grabbing cash out of it but there is so many of us paying for shit that keep them where they at..
Nothing but love, hope to see you out there with season 3!!
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2023.03.30 12:56 Decent_Impress9369 Law on Economics and Reciprocalism
Recipricalism is an easy system to understand, and it works better than money.
Here's how it works. Each week, gather signatures from every person or interested group. EVery person can donate a base 1000 signatures to various people/week, offered standard as a UBI. Reciprocalism starts with everyone cashing in their money to convert into signatures at a rate of 25 signatures/hour's work in median per capita income.
Organizations can collect investment from people over a long time and redistribute.
People buy things by distributing accumulated signatures to individuals. You cannot save your unused basic stipend stickers because they don't contribute to your tokens earned account, but this exists as a zero earn capacity to give money away.. Every person has a generating capacity of tokens they can spend weekly.
This is determined by the number of tokens they've earned - tokens spent / weeks they've been around. All "earned" tokens must be given to them by other people, not the system. There is a work based filter to provide an incentive to work, with a minimum working or educational week being decided by congress necessary for participation in the system. You pay for weeks/time off by reducing the amount of "tokens earned" and adding to "tokens spent" as you spend them. Alternately, provide more tokens the more verified work you do at a standard rate.
You can spend this average every week, it exists and may detract from this account. Spend into the earned side of someone elses' balance, and unused tokens are destroyed or lent at the end of each week.
Loans or large income increases, just buy now in exchange for a percentage of income each week or a direct transfer from the "tokens earned" and addition to the "tokens spent" side of your account, decreasing weekly payouts.
Additional money can be created by the central bank, which is able to inject money into the economy at its discretion. This money could be used to reward patentholders and inventors of new ideas.
You must earn a minimum of xyz tokens/week from other people over the last x months to shop here. This transaction limit is set centrally and necessary for stores to participate in the system.
Maybe you need to earn a minimum of 1000 tokens/week?
There is a circulating money supply
Example
I have earned an overall
submitted by
Decent_Impress9369 to
thenominal [link] [comments]
2023.03.30 12:48 New-Climate4103 Eureka surveys, an honest review
Hello everyone! I want to share with you my experience with Eureka Surveys - an app that I've been using for a while now to earn some extra cash. If you're looking for a way to make some money on the side without leaving your home, then this app is definitely worth checking out!
One of the things that I love about Eureka Surveys is that it's very user-friendly. The app's interface is sleek and easy to navigate, which makes taking surveys a breeze. You don't need any technical skills or prior knowledge to use the app, which is perfect for beginners who are new to online surveys.
Another great thing about Eureka Surveys is the variety of survey topics. You can find surveys related to anything from food preferences to travel habits to technology usage. This means that you're likely to find something that interests you and matches your profile, which can make taking surveys more enjoyable.
This doesn’t mean that it does not have any disadvantages, most notable is that it can take a while to make the minimum cash out threshold of $5. However, this threshold is quite low in comparison to other survey apps and with a little bit of patience you could definitely make your first cash out within 3 days - 1 week.
Additional, after every cash out a $2 reward survey is made available which is a very quick to complete survey that pays $2 just for leaving a review.
If you are interested in Eureka Surveys please use my referral information:
Hey! Use my code B5392R on Eureka Surveys and unlock a short $1 survey just for signing up!
https://eurekasurveys.page.link/Ner9L8SAbxTGkn1T7 Similar to Eureka Surveys is an app called Survey Pop, my referral information is also below:
Hey! Use my code JK8YC4 on Survey Pop and unlock a short $1 survey just for signing up!
https://surveypop.page.link/44BCgCR41y5xQk4z8 submitted by
New-Climate4103 to
SurveyCircle [link] [comments]
2023.03.30 12:42 OfficAlanPartridge Residential Builder Breach Of Contract
In 2018 I purchased a plot of land in Tasmania. I independently found a draftsman to design the house which then got approved by local council in Dec 2020.
I was recommended a builder at the start of 2020 and he accepted the job of building my house. We signed a HIA standard build contract in March 2021. At this time he mentioned he had a gym to fit out, another house renovation and then my house would be next.He gave me a verbal start date of Tuesday 14th June 2021.
The builder did not break ground until Dec 2021 - it came to my attention that between June and December (6 months) he had been attending other jobs other than those mentioned above, whilst blaming COVID for the huge delays in starting (this was only ever mentioned over the phone after I chased him up).
Approximately 5 days after the builder had broke ground, works had to stop as the building permit had lapsed by 2 days- this was reissued in March 2022. He sent through the invoice for the deposit of $24000 and this was paid immediately.
In August 2022 he eventually sent through an invoice for base stage completion - I acknowledged to him that I received the invoice and asked him whether this meant base stage was complete in which he replied “yes base stage is complete” (this is in writing). I then sent this through to the bank who then got an independent valuer to value the work, who stated that base stage was in fact NOT complete. During this time I also discovered that he was having huge cash flow issues as his suppliers were no longer dealing with his clients.
Throughout all this he has never communicated with me in writing about the significant delays. He has never supplied me with an actual start date nor a date for when the house would be completed. In the contract he had 150 business days to complete the build from the start date. Whenever asked he would just ignore the questions or just brush me off.
The bank will not release the funds for base stage as he has not completed it and is over the 150 days. The builder is claiming that the work he has done to date is worth $65000 (which I believe is incorrect). I feel that the deposit amount of $24000 covers the amount of work that has been completed to date.
The contact has been terminated due to breach of contract, however, the builder is now threatening to claim for his financial loss. Rather than myself claiming for damages and financial loss I was happy to just walk away.
Where do I stand in this matter? Does he have a chance in claiming that money back? Any advice would be greatly appreciated.
TL;DR Builder breached contact. Contract terminated. Builder now trying to claim for losses. I believe that I should claim for losses but I’m happy to just walk away. Any advice would be much appreciated
submitted by
OfficAlanPartridge to
AusLegal [link] [comments]
2023.03.30 12:39 cryptomeric2023 What Does It Mean To Stake Crypto? (2023)
| What Does It Mean To Stake Crypto and sell your investment when the market price increases or else earn more rewards, here are all the answers related to making profit with cryptocurrency and what and how it works and stake in crypto. https://preview.redd.it/d72ixdyguuqa1.jpg?width=768&format=pjpg&auto=webp&s=d623cac2f168f201c5a6286d752af3f5afba69d7 What Does It Mean To Stake Crypto? This way of making profit with cryptocurrency, where an investor has to sell his investment when the market price increases, is called crypto stake. However, there are other ways to make money in crypto, from which you are researching crypto stalking, then you have come to the right place, we will know what it means to bet crypto, how it works and whether it has polygons. Risk is involved. Making money through staking in the crypto market is a concept that you must have heard a lot about. Staking crypto means putting your digital assets to work, cryptocurrencies verify their transactions and allow participants to earn rewards on their holdings. Related: Best Stablecoin Staking for 2023 [USDC, USDT] This is somewhat similar to depositing cash in a staking high-yield savings account, where the bank borrows your deposits and you earn interest on the account balance. Emphasizing this point we know what it is to Stake Crypto and how we can bet on crypto and what are the risks that you need to keep in mind. Read Full post: Click Here submitted by cryptomeric2023 to Cryptomeric [link] [comments] |
2023.03.30 12:39 StepwiseUndrape574 Rockstar Launches GTA+ Subscription Service With Member Exclusive Benefits But Is It Worth It?
Once upon a time, it was commonplace for online games to have subscription fees. The earliest popular graphical online games, including Ultima Online and EverQuest, all had recurring service fees, as did many games that came after, such as Final Fantasy XI and World of Warcraft.
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
submitted by
StepwiseUndrape574 to
gta5moddedvehicles_ [link] [comments]
2023.03.30 12:36 Star-Rich Kitchen wares brand 'Miniqua' needs Instagram Lifestyle/mom/housewife etc influencers to promote our products
2023.03.30 12:35 DeFiEscrow Before you moonwalk into crypto, tick off these 6 must-dos! Prep for profit & dodge digital dilemmas. Master the market & let your crypto-portfolio soar. Knowledge is power – and profits!
2023.03.30 12:33 mattjestic_gaming My Diablo 4 Review After 110+ Hours & 40+ Builds Tested In Beta
My Diablo 4 Review (By Mattjestic)
After 110+ Hours In Beta, 40+ Builds Crafted, 20+ Tested Cross 5 Classes! My Initial Thoughts - IT'S NOT Diablo Immortal!
- As A Big Diablo Fan: I Enjoyed Farming, Looting, Crafting Build, And Become OP
- The Story Is Interesting & NOT Boring, I Love How The First Camp Of People Tried To Kill Us Haha! The Pilot With A Good Twist & Is Not Just ‘Please Save Us Hero!’
- Lots Of Disconnect During Beta, As Expected! After D3 Launch Day, I Actually Expected To NOT Play On Day 1 At All.
- Much LOWERED Queue Time After Initial Start Time, This Is GOOD! (Most D4 Players Are Older Now And Have Work, Family & Friends & Other Things Planned In Their Day, And Even For Hardcore Fans Like Me We Want To Play The Game When We Login, Waiting 5-15 Mins Could Be Okay, But 60-90 mins Is NOT! I Literally Got Up At 3am Aus Time Trying To Play, Luckily Queue Time Was Only 15-30 Mins, And Next Day There Was NO Queue At 3 Am!
- Smooth Game Play: Yes There Are Lags & Air Walls, But If Those Improve (Hopefully Like The Queue Time) Then Its Very Enjoyable Exploring The Open World!
- Good Quality Of Life Features: Getting Legendary We Miss To Loot Returned To Our Stash Is A Very Kind Gesture! ME LIKE!
- Hotkeys (E & J) To Escape & Reset Dungeon,
- Warning Of Losing TP Portal Before I Leave Town,
- Teleporting To Party Members For Server Swap & Express Map Coverage (If Only There Are More Warp-Points In The Zone!).
- I Agree That The UI, Test Size & Display Have Lots Of Room For Improvements, But Overall The Game Felt That There Was Extra Care Put Into QOL! I Miss My Golden Goblin Looting Pet From D3!
- Each Class Has Their Unique Appeal Atm Druid Is Like Hell Mode & Rewards Players For Playing Diablo 4 + Dark Souls! Haha!
- Good Amount Of Legendary, Uniques, Paragon To Keep Us Flexible & Learning Throughout The Game Is Better Than A Steep Learning Curve!
- Questing Felt Slow Because Of Lack Of Warp-Points! At Least Let Us Warp To Unlocked & Cleared Dungeons!!
- Stronghold & Random Events Are On Point: ACTUAL MMO Feel & Engagement!
- I Liked How My Lvl 5 Necro Can Scale In My World & Kill Mobs Faster Than Most LvL 20 Players (Their Mobs Scaled To 20)
- I Wished There Were MORE Rare Events Too! E.g. Horde Of Treasure Goblins In D3!
- World Boss Is Rewarding & Fast Enough: My Concern Is That D4 Start To Have Too Many DAILY LOGIN IN GRINDS, (E.g More World Boss At Different Time, Rare Herbs & Minerals) As Rewards Are Way Too Good For The Time It Takes, And Its Time Gated. (How I Burned Out In Lost Ark This Way, 7+ Characters Grinding 1 Hour Each Daily Is NOT Fun After 2-3 Months!)
- Dungeons Gets Repetitive After A While: I Heard That Each Zone Will Have Their Own UNIQUE Dungeon Experience, Maybe First Zone Is Similar In Those 23 Dungeons, But I HATED Carrying ONLY 1 Objective Item Back & Forth! (Come On Guy We Got 2 hands! Barb Literally Carrying 4 Weapons & Yet We Can't Pick Up 2 Orbs At The Same Time?? XD) Lots Of Room For Better Dungeon Design, But As Long As End Game Is Good, Likely We Won't Go Back To 80% Of The Dungeons!
- Also Don't Get Me Started On The Clear All Monsters Dungeon Quests XD
- Good Suggestion On Reddit, Have An Aggro All Mobs Button
- Potential To Improve More QOL: Buy Back Is So Limited That I Accidentally Sold The Wrong Item & Clicked Too Fast To Sell More, Then It's Gone After 10+ Items? At Least Let Us Buy Back A Whole Inventory Worth Of Items!
- Saved Preset For Skill Allocated For World Boss, Elite Farming, Bossing, Solo/Group Up Play, Mobility Speed Run Etc
- Auto Run? This Is Debatable, Don't Want D4 To Be A Mobile Game Feel, But Sometimes Running Feels Slow, Maybe Its Better With Mounts!
- Inventory & Character UI: It's A Bit Clunky & For The Love Of God Why Do I See My Crafting Mats List FIRST Each Time I Click My Character Stats, I'm Sure 99% Of Us Wanted To See Our Combat Stats like Current Crit Rate To See The Live Effect Of Our Buffs & Spells
- A DMG & Elite/Boss Testing Dummy Would Be Amazing!
- To See Our C.C, Vulnerable & Debuff/Buff Effects & Test Combo Rotations! (With No Spell CD Option & DPS Summary!)
- Losing Teleport Portal After Leaving Party: This Was Annoying & Took Up Lots Of Time (Especially Running To World Boss)
- Sell All Button? Categories Into Normal, Magical, Rare Items Like Savage All!
- WE NEED Legendary Aspects Keyword Filter In Storage/Inventory!
- This Is Such A QOL For Build Makers Like Myself, Even Just In Beta, Having 2 Bags Full Of Legendaries Sorted Only By Gear Type Is NOT FUN!
- Reminds Me Of The POE Search System
- We Already Have Keywords For Skills, Give It On To Items Should Be Doable!
- More Balanced Leveling Pace For Each Class: Yes Some Help To Druid Early Game Please! Since Earth Spell Is Nerfed (% DMG To Mobs Can Be Broken Especially On World Bosses) But At Least Give Druid Something That Kick Things Off? Like A Free Starter Magical/Rare Weapon? For First 1-10 lvl This Would Be Amazing!
- It Takes Half The Time To Level A Necro Vs Druid
- My Concern For Botting & Item and Gold Dups, Abuses & Unfair Plays
- E.g. For Lost Ark After 1 Month Into Launch, My Entire Screen Is 90% Bots, This Felt Terrible, Spamming Gold For Cash.
- It's Good That Diablo 4 Is Buy To Play, But I Would Love To Hear From The Devs About Having Prevention Plays For Those Unfair Plays & Actively Improving Their Defense Vs Studios That Does This For A Living!
- Potential Discount For D4 In The Future + Expansion?
- We Want MORE Classes! We Also Want Discounts For New Players Wanting To Buy The Game After Seeing How Much Fun It Was At Beta & Launch, Also Discounts For Players Who Bought The Game & Then Plans To Buy The Expansion!
Likely Our Gaming Experience Will
IMPROVE After Beta, Especially After LvL 25!
See My Video Review For More Detailed Explanations https://youtu.be/Ij06AirnZws submitted by
mattjestic_gaming to
Diablo [link] [comments]
2023.03.30 12:33 mattjestic_gaming My Diablo 4 Review After 110+ Hours & 40+ Builds Tested In Beta
My Diablo 4 Review (By Mattjestic)
After 110+ Hours In Beta, 40+ Builds Crafted, 20+ Tested Cross 5 Classes! My Initial Thoughts - IT'S NOT Diablo Immortal!
- As A Big Diablo Fan: I Enjoyed Farming, Looting, Crafting Build, And Become OP
- The Story Is Interesting & NOT Boring, I Love How The First Camp Of People Tried To Kill Us Haha! The Pilot With A Good Twist & Is Not Just ‘Please Save Us Hero!’
- Lots Of Disconnect During Beta, As Expected! After D3 Launch Day, I Actually Expected To NOT Play On Day 1 At All.
- Much LOWERED Queue Time After Initial Start Time, This Is GOOD! (Most D4 Players Are Older Now And Have Work, Family & Friends & Other Things Planned In Their Day, And Even For Hardcore Fans Like Me We Want To Play The Game When We Login, Waiting 5-15 Mins Could Be Okay, But 60-90 mins Is NOT! I Literally Got Up At 3am Aus Time Trying To Play, Luckily Queue Time Was Only 15-30 Mins, And Next Day There Was NO Queue At 3 Am!
- Smooth Game Play: Yes There Are Lags & Air Walls, But If Those Improve (Hopefully Like The Queue Time) Then Its Very Enjoyable Exploring The Open World!
- Good Quality Of Life Features: Getting Legendary We Miss To Loot Returned To Our Stash Is A Very Kind Gesture! ME LIKE!
- Hotkeys (E & J) To Escape & Reset Dungeon,
- Warning Of Losing TP Portal Before I Leave Town,
- Teleporting To Party Members For Server Swap & Express Map Coverage (If Only There Are More Warp-Points In The Zone!).
- I Agree That The UI, Test Size & Display Have Lots Of Room For Improvements, But Overall The Game Felt That There Was Extra Care Put Into QOL! I Miss My Golden Goblin Looting Pet From D3!
- Each Class Has Their Unique Appeal Atm Druid Is Like Hell Mode & Rewards Players For Playing Diablo 4 + Dark Souls! Haha!
- Good Amount Of Legendary, Uniques, Paragon To Keep Us Flexible & Learning Throughout The Game Is Better Than A Steep Learning Curve!
- Questing Felt Slow Because Of Lack Of Warp-Points! At Least Let Us Warp To Unlocked & Cleared Dungeons!!
- Stronghold & Random Events Are On Point: ACTUAL MMO Feel & Engagement!
- I Liked How My Lvl 5 Necro Can Scale In My World & Kill Mobs Faster Than Most LvL 20 Players (Their Mobs Scaled To 20)
- I Wished There Were MORE Rare Events Too! E.g. Horde Of Treasure Goblins In D3!
- World Boss Is Rewarding & Fast Enough: My Concern Is That D4 Start To Have Too Many DAILY LOGIN IN GRINDS, (E.g More World Boss At Different Time, Rare Herbs & Minerals) As Rewards Are Way Too Good For The Time It Takes, And Its Time Gated. (How I Burned Out In Lost Ark This Way, 7+ Characters Grinding 1 Hour Each Daily Is NOT Fun After 2-3 Months!)
- Dungeons Gets Repetitive After A While: I Heard That Each Zone Will Have Their Own UNIQUE Dungeon Experience, Maybe First Zone Is Similar In Those 23 Dungeons, But I HATED Carrying ONLY 1 Objective Item Back & Forth! (Come On Guy We Got 2 hands! Barb Literally Carrying 4 Weapons & Yet We Can't Pick Up 2 Orbs At The Same Time?? XD) Lots Of Room For Better Dungeon Design, But As Long As End Game Is Good, Likely We Won't Go Back To 80% Of The Dungeons!
- Also Don't Get Me Started On The Clear All Monsters Dungeon Quests XD
- Good Suggestion On Reddit, Have An Aggro All Mobs Button
- Potential To Improve More QOL: Buy Back Is So Limited That I Accidentally Sold The Wrong Item & Clicked Too Fast To Sell More, Then It's Gone After 10+ Items? At Least Let Us Buy Back A Whole Inventory Worth Of Items!
- Saved Preset For Skill Allocated For World Boss, Elite Farming, Bossing, Solo/Group Up Play, Mobility Speed Run Etc
- Auto Run? This Is Debatable, Don't Want D4 To Be A Mobile Game Feel, But Sometimes Running Feels Slow, Maybe Its Better With Mounts!
- Inventory & Character UI: It's A Bit Clunky & For The Love Of God Why Do I See My Crafting Mats List FIRST Each Time I Click My Character Stats, I'm Sure 99% Of Us Wanted To See Our Combat Stats like Current Crit Rate To See The Live Effect Of Our Buffs & Spells
- A DMG & Elite/Boss Testing Dummy Would Be Amazing!
- To See Our C.C, Vulnerable & Debuff/Buff Effects & Test Combo Rotations! (With No Spell CD Option & DPS Summary!)
- Losing Teleport Portal After Leaving Party: This Was Annoying & Took Up Lots Of Time (Especially Running To World Boss)
- Sell All Button? Categories Into Normal, Magical, Rare Items Like Savage All!
- WE NEED Legendary Aspects Keyword Filter In Storage/Inventory!
- This Is Such A QOL For Build Makers Like Myself, Even Just In Beta, Having 2 Bags Full Of Legendaries Sorted Only By Gear Type Is NOT FUN!
- Reminds Me Of The POE Search System
- We Already Have Keywords For Skills, Give It On To Items Should Be Doable!
- More Balanced Leveling Pace For Each Class: Yes Some Help To Druid Early Game Please! Since Earth Spell Is Nerfed (% DMG To Mobs Can Be Broken Especially On World Bosses) But At Least Give Druid Something That Kick Things Off? Like A Free Starter Magical/Rare Weapon? For First 1-10 lvl This Would Be Amazing!
- It Takes Half The Time To Level A Necro Vs Druid
- My Concern For Botting & Item and Gold Dups, Abuses & Unfair Plays
- E.g. For Lost Ark After 1 Month Into Launch, My Entire Screen Is 90% Bots, This Felt Terrible, Spamming Gold For Cash.
- It's Good That Diablo 4 Is Buy To Play, But I Would Love To Hear From The Devs About Having Prevention Plays For Those Unfair Plays & Actively Improving Their Defense Vs Studios That Does This For A Living!
- Potential Discount For D4 In The Future + Expansion?
- We Want MORE Classes! We Also Want Discounts For New Players Wanting To Buy The Game After Seeing How Much Fun It Was At Beta & Launch, Also Discounts For Players Who Bought The Game & Then Plans To Buy The Expansion!
Likely Our Gaming Experience Will
IMPROVE After Beta, Especially After LvL 25!
See My Video Review For More Detailed Explanations https://youtu.be/Ij06AirnZws submitted by
mattjestic_gaming to
diablo4 [link] [comments]
2023.03.30 12:28 StepwiseUndrape574 Rockstar Launches GTA+ Subscription Service With Member Exclusive Benefits But Is It Worth It?
Once upon a time, it was commonplace for online games to have subscription fees. The earliest popular graphical online games, including Ultima Online and EverQuest, all had recurring service fees, as did many games that came after, such as Final Fantasy XI and World of Warcraft.
That model has largely given way to the "freemium" model where the publishers give the game itself away for free, but much of the game's content is locked behind the choice of either extended play times "grinding" for materials, or the option of skipping that grind with a real-money payment.
However, some games have both, and that usually includes the longest-lived and most-successful ones. Sega's ten-year-on Phantasy Star Online 2 is free-to-play, but has extensive cash purchases and also has a "premium" subscription available. In Final Fantasy XIV and the venerable World of Warcraft, the subscription fee is still required despite the presence of a cash shop.
carmeet
Grand Theft Auto Online has a lot of similarities to what we usually think of as qualities of "MMO" games. While it isn't "massively multiplayer" on a local scale—sessions normally include a maximum of 32 players—there are tens of thousands of players online at any given moment. It has named player characters with persistent progress and all of the other things we think of from MMO games: equipment, appearance customization, player housing, difficult multiplayer "raid" events, and so on.
With that context in mind, it probably shouldn't be a surprise that Rockstar is launching a subscription service for GTA Online. It's called GTA+, and it costs $6 a month. Ponying up for the premium subscription earns you a cool $500,000 in the in-game GTA$ currency every month and extra GTA$ on "Shark Cards," as well as exclusive benefits. Here's the list of benefits for the first month: The Principe Deveste Eight — along with a complimentary Hao’s Special Works upgrade for it before it is made available to purchase by the general public — plus the HSW Orange Trip and HSW CMYK Glitch Liveries. The Auto Shop located in La Mesa, introduces an assortment of gameplay updates from Los Santos Tuners. Current Auto Shop owners can relocate to La Mesa at no additional cost. Waived LS Car Meet Membership fees. Current LS Car Meet members with GTA+ will be reimbursed GTA$50,000 during this event period. Yacht owners can upgrade to the Aquarius Super Yacht at no additional cost. The Gussét Frog Tee and Broker Prolaps Basketball Top and Shorts automatically added to your wardrobe. The Conveyor Livery for the Mammoth Avenger, HVY APC, and TM-02 Khanjali. A selection of free paints and emblems for the Auto Shop. 3X GTA$ and RP on Hao’s Special Works Race Series. 2X Car Meet Rep on the Street Race Series. It would be easy to criticize Rockstar for this move because the company has already taken $60 of your money for the game. That's to say nothing of the grind-heavy nature of GTA Online that practically forces players to purchase Shark Cards for in-game currency if they want to make progress at any kind of reasonable rate. There's also the fact that the company is charging money for what is honestly an extremely minor update on the current-generation consoles.
In the interest of fairness, though, we'll note that many players who bought GTA V (including GTA Online) purchased it nearly a decade ago. Just like other major online games, GTA Online has seen years of additional content and improvements through continual updates, and that stuff does cost money to create.
deveste eight The Principe Deveste Eight, one of the rewards for subscribing this month.
If you own GTA V, you don't actually have to pay Rockstar anything to play it for the rest of eternity, so giving players an option to spend a little every month to support continued development is fair. However, the list of benefits, at least for the first month, is pretty weak.
There's another caveat, too: this program is only available to players on the PlayStation 5 and Xbox Series consoles. We've asked Rockstar if GTA+ will be coming to the PC version, and will update this post if we get a response.
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2023.03.30 12:25 AutoModerator [Get] Grant Cardone – How To Create Wealth Investing in Real Estate – Download Full Course – Instant Delivery!
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2023.03.30 12:20 AutoModerator [Get] Grant Cardone – How To Create Wealth Investing in Real Estate – Download Full Course – Instant Delivery
2023.03.30 12:16 Midnight_Huntercat Becoming a Prompt Creator: Tips and Strategies
If you are interested in becoming a
prompt creator, there are several things you can do to get started. In this article, we will explore some tips and strategies for creating effective prompts that inspire creativity and encourage originality.
The first step in becoming a prompt creator is to identify your target audience. Who are you creating prompts for? Are they writers, artists, or a specific group of people? Knowing your audience is important because it will help you to tailor your prompts to their needs and interests.
Once you have identified your audience, the next step is to start generating ideas for prompts. This can be done in a variety of ways, such as brainstorming, free writing, or even using AI-generated prompts as a starting point.
When creating prompts, it is important to make them clear and concise. A good prompt should provide enough direction to get the creative juices flowing but not so much that it restricts creativity. It should also be open-ended enough to allow for multiple interpretations and approaches.
Another important aspect of creating effective prompts is to make them relatable and relevant to your audience. This can be achieved by incorporating current events, pop culture references, or themes that resonate with your audience.
It is also important to consider the tone and style of your prompts. Do you want them to be playful and lighthearted or more serious and thought-provoking? The tone and style of your prompts should align with your audience and the type of creativity you are trying to inspire.
Once you have created your prompts, it is important to test them out and gather feedback. This can be done by sharing them with a group of beta users and analyzing their responses. This feedback can help you to refine your prompts and make them even more effective.
In conclusion, becoming a prompt creator can be a rewarding and fulfilling experience. By identifying your audience, generating ideas, and creating clear and concise prompts that are relatable and relevant, you can inspire creativity and encourage originality in others.
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2023.03.30 12:15 jjkwifeu BOFA Bank of America Cash Rewards Credit Card
Does anyone know why it is not letting me open a dispute online? It keeps telling me to call
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2023.03.30 12:12 ImmortalJormund Chronicler's Notes: Final Frontier
Couple hours after I left the Devourer campfire, I gave up searching for the Ecologist outpost in the darkness. There was an old Ikarus bus by the road that I had passed by earlier during my wanderings. It was covered in rust and had lost most of the seats, but it would shelter me for the night. Thankfully the door could be opened, and I crawled inside, hiding on the aisle's furthest point from the door. I set up my machine gun pointing towards the door, made sure the gun was off safe and slowly tried to calm down. Not an easy task, considering there might be a pack of weird cannibals after me, but I needed some rest.
I fell into uncomfortable, far too light sleep, and woke up many times during the night as mutants or simply wind passed by the bus. Each time it took me dozen or so minutes to steady myself to the point of returning to my sleep. I greeted the first rays of day with adulation that would make Sinners or Flame worshippers look like Sunday schoolers. Getting out of the bus, all my muscles tangled up and aching after the night on its floor, I took a first look at my surroundings. Not much to tell. There were some marshlands around the road, with pines and spruces growing from the wet soil. Rocks and puddles dotted the landscape, and by the riverside a lone carcass of a dog sat, rotting in the water.
Taking in the scenery, I realized that I was none the wiser of where the hell I was. I was not even sure where I had come from, as in the dark I could've walked in circles for hours. Abandoning all plans of reaching the ecologist outpost, I decided to trudge on, down the road into what I presumed to be west. If nothing else, finding the river would lead me back to Seriy's Guard outpost. The day was beautiful, especially by Zone standards, and my rucksack felt lighter thanks to it. I passed humming gravitational anomalies, stopping only momentarily to check the area for artifacts. None were forthcoming, so my journey continued. After roughly an hour of walking, I came to a burned hamlet. To the south of it, the Torfprom factory stood alone. I had missed the Ecologist outpost, damn it.
I couldn't dwell on this for long, however, as a bullet whizzed past my head and struck a tree not far from the road. Instinctively, I lunged to cover, preparing to sell my life dearly. My Type 73 was once more filled with deadly bullets, but it was not to dispense it that day. A shout came from the village ahead to lower my gun as it had been a mere warning shot.
"Identify yourself before I follow that order. Far too many bandits in these parts to be that naive, bratan!", I shouted back.
"We're from Final Frontier, lad! Fellow stalkers like you. Listen, stay there, I'll come closer.", the man shouted.
I saw a stalker emerge from a ruins of a farmhouse, holding a rifle that to me looked a lot like Mauser 98k. The optic on it was a bit different though. The man's trenchcoat was deep red, sort of burgundy colour. He came closer with no threat in his body language, and I holstered my machine gun. Still, as this was the Zone, my hand hovered over the pistol on my belt just in case. As he got closer, I could see the patch on his jacket, depicting three bullets side by side. The man saw my Radiation patch, and lowered his weapon.
"Sorry lad, we've had trouble with the Punishers and the camp is quite anxious. Anyway, you have any business here or are you just passing by? I'm Noah Blacklung, by the way.", the man introduced himself.
"Chronicler, and no hard feelings, things are rough these days. I'm passing by, I was meaning to reach the ecologist camp but ran into Devourers in the night. I'm writing a book on Zone's factions, is your faction welcoming enough to allow me to write another entry on it?", I asked.
"Chronicler, eh? One of the Guard fellows passing by mentioned you, told us that you might come pester us with some smartass shit. And Devourers? Boy, those are a tall-tale, that's all. Either way, our bossman, One-Eye, is in that large ruin over there. Go ask him questions, he fucking hates it.", Blacklung said with a grin under his black beard.
I was a bit hesitant to bug the leader of unknown faction's unit, and slightly offended by Blacklung's dismissive tone regarding the Devourers, but I'm not one to miss a chapter on my book. As such, I wandered into the large ruined farmstead. The tallest surviving walls were at my shoulder-height, and the rest were at knee to chest height. Not much of a fortress, but not the worst defensive position either. There were crates on pallets, bunkbeds and a dugout in the largest room, where all the ammunition seemed to have been piled into. The place had roughly a squad worth of Frontiersmen, most in trenchcoats with various military helmets, gasmasks and even ammunition belts crossed on their chests and backs. Some had modified Hunter suits, painted in that very same burgundy colour but seemingly even more stripped of armour than the base Hunter suit.
The Frontiersmen eyed me as I passed by, but most of them seemed merely curious. They were a ragged bunch, clearly men who had led hard lives. Not necessarily men of criminal past, however, as they seemed more adventurers and daredevils, the types you see when looking at photos of cowboys, Cossacks and Tuareg peoples of Sahara. I asked one of them for directions to One-Eye, and he grunted something while pointing his thumb towards one of the "rooms". A guard in deep red colour exoskeleton let me in after I stated my business, and I squeezed past him and his massive RT-20 antimaterial rifle. Old-Eye was sitting on an old chair, an old man with grey hair, beard and only one eye with the second socket completely empty. He raised his eyebrow at me in a form of silent question, and I hastily introduced myself.
"A chronicler? I remember Kostya mentioning you as he passed by. You helped Seriy with the Pirate problem? Good. I'm One-Eye, name for obvious reasons, and I lead this detachment of Final Frontier. If you have any questions, which I presume to be the case by your chosen title, ask away, we are not shy", One-Eye said and took a bottle of vodka out of the drawer behind him.
I began my usual barrage of questions. First, I asked about the faction's name, as I associate Final Frontier personally as space. One-Eye replied that the name reflects their entire philosophy. Final Frontier believes that the Zone is truly the last frontier region of the world, a place where the hardy, cunning and strong survive and the weak wither away. The faction wishes to explore this location properly, to truly relive the glory days of Wild West or the Cossack lifestyle. In essence, they were all hard-working adventurers according to One-Eye. Always racing ahead of the curve, exploring lands no other stalkers had yet expanded to.
"Interesting, so you're essentially a faction of pathfinders then?", I asked, and One-Eye nodded, taking a shot of vodka.
Apparently the legendary Guide had been an inspiration for the faction's creator and primary Hetman of the Final Frontier, Khmelnytsky. They had since the creation of the faction always pushed boundaries, fought barriers for stalker activity like large mutant herds, Monolith or Sin forces or military units. One-Eye recounted one particularly nasty conflict over a closed city similar to Limansk, named Pripetyarsk-4. During the battle, Khmelnytsky had died alongside many of his men as they had fought alongside Patrol, Braveheart, Duty and Diver forces to attack the city's emitter during cooldown before Monolith could use it again. Mission was a failure, and the next Hetman, Razumovski, heavily influenced the faction's future.
"How so? Has your organization heavily changed? New alliances or something?", I asked.
"Yes. That mad dash to stop the emitter failed, and Razu realized that we are not fighters as much as we are explorers. He made some deals with bandit splinter factions, notably with the Contrabandists to get us some gear and with other minor ones like Scum, Raiders and Marauders to leave us alone until we could regroup. It wasn't easy, and many in our ranks disagreed with him. Some left, most stayed, and we rebuilt slowly.", One-Eye continued, somber tone in his voice.
"And today? You are still pushing for the boundaries of known Zone?"
"To an extent. The veterans who survived Pripetyarsk-4 are out there in the north, working with pathfinders from Clear Sky, Redemption and Bravehearts. But rest of us, many new recruits, are preparing for the return of our faction in full strength. We're gathering artifacts, escorting or guiding stalkers, hunting mutants. Simple things. Sometimes a lab or colony raid, sometimes an attempt to discover new routes.", One-Eye sighed.
I nodded, and asked a few more questions. First, about the weapons they used, which One-Eye answered to be mostly Yugoslav surplus gear acquired from the Contrabandists, with some Zastava or Croat guns thrown into the mix. Second, I asked him about their command structure, which was simple. Hetman was the main leader of the faction, while Osavuls like One-Eye led squads or platoons of 10-20 men. Sotnyks were their patrol or squad leaders. However, the faction was highly decentralized, and discipline was not similar to Duty's or Order's hierarchical command structure. One-Eye remarked that the men were far too rowdy for such, and absolute command was only granted to those who could prove worthy of it. This put Final Frontier's faction relations in a tight spot too, as the faction's men despised factions with strict command structures and authoritarian conduct.
"We're at war with the Order after one of our co-operation missions ended with Osavul Brimstone hitting an Order captain in the face, as the captain had tried to give him orders. Vendetta, Storm and Union are also our enemies for similar reasons. And we're better for it, this is the Zone, not some army garrison, anyone larping the military here can go and do army drills in a Burner pit for all I care!", One-Eye noted and let out a bellowing laugh.
I chuckled at the mental image and thanked the commander for this information. Knowing that nothing was free in the Zone, I queried about what I could do in return for the Frontiersmen. One-Eye looked at me with cunning in his surviving grey eye, and grinned. He noted that I clearly knew how things work here, and offered me a job. Apparently a bandit splinter faction called Punishers was nearby, guarding a river outpost, and for some reason, they would not let Final Frontier pass onto the other side of the river. Normally, One-Eye would have stormed the place, but the renegade bandits had three Dushkas set up and those would rip Frontier's force to shreds.
"So let me get this straight. You want me to waltz into a Punisher outpost, ask them why they don't let you pass, and then waltz back here to report that? With three heavy machine guns staring me down? Are you perhaps off your medication?", I questioned.
"Thing is, you're a loner. A free stalker. We are not, we are close but have our own relations. Punishers are neutral to loners, but clearly not to us. I want to find out why this is, we've seen Diggers and free stalkers pass through there many times. Go talk to their leader, Oleg Warmonger, under the guise of getting information for your book, and ask him what's the matter.", One-Eye ordered.
"All this for some information on your faction?"
"You'll get a reward alright, don't worry. I have a Mica artifact with me that you can get once the job is done, a writer needs something to remove toxicity after all.", One-Eye replied with a grin.
I sighed and took his offer. It's not every day that you get to interview bandits, and if this faction, Punishers, truly was neutral to us loners, it would be an unique chance. I holstered my Type 73, prepared my Walther and set on the road towards the river outpost. There were pairs of Frontiersmen in multiple crumpled houses along the way, keeping an eye on the bandits through the scopes of their M76 rifles. I saw heavy trenchcoats on them, helmets far more advanced than those of regular loners. These guys were no joke, which made it far less appealing to trudge towards the outpost. If they feared it, what chance did I have? When it came to view finally, after ten minute walk on the dirt road running through overgrown fields, I gulped.
A rusted hulk of a bus was the main part of the checkpoint. On it, floodlights had been mounted on the roof, and a Soviet heavy machine gun pointed its black eye towards me. A flag with a big red stain, a crudely drawn skull in the middle of the painted part, flowed on top of the outpost. For better or for worse, I would soon learn who the Punishers were. Would I survive? Only they knew.
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2023.03.30 12:06 alphaannapurna Winter Trekking in Nepal
Winter trekking in Nepal can be a suitable option for warming up and also this is the off-season time in Nepal. Trekking in Nepal in winter is a truly exciting adventure in Nepal. Winter treks in Nepal are suitable for travelers of all ages with spectacular Himalayan views from various treks in Nepal. Nepal offers many tours that can be enjoyed during the winter months of December to February. Travel lovers can have a rewarding travel experience during the months of December, January, and February due to its various benefits. The climate is very clean, the views are unexpected, and the environment is free of crowds. Travelers can enjoy themselves, whether they are beginners or experts. Here are some lists to trek in winter choose the best destination and make a plan.
1. Everest Panorama Trek One of the best winter treks in the world is Mount Everest. Fortunately, Nepal has the highest mountain range on the planet. Short
Everest Panorama Trekking offers panoramic views of Mount Everest and other highest mountains in the Khumbu region. One of the best parts of this trip is seeing the beauty of Khumbu in such a short time. Apart from that, this area is one of the best sites to experience the highlights of the Himalayan environment. Most importantly, people can see Lukla Airport, Sagarmatha National Park, Sherpa Hub, Namche Bazaar, Tengboche Monastery, Khumjung Monastery, Sherpa village, Mount Everest, Ama Dablam, Nuptse, Lhotse, valleys and glaciers and many more. Also, people can experience dramatic changes in climate, vegetation, topography, and culture as well as geology.
2. Ghorepani Poonhill Trek Ghorepani Poonhill Trek is another exciting trek that can be done in winter in Nepal. It is also known as the shortest trekking route in Nepal. During the winter season, it receives few visitors so that the journey can continue without the confusion of accommodation and crowds. Although it is cold, trekking in winter weather with beautiful views of oak trees and rhododendron brings joy to the trip. The beautiful and stunning views of Annapurna, Dhaulagiri, Machhapuchhre, Nilgiri, Hiuchuli, and other small peaks views make your trip interesting. This is one of the easier, shorter treks that can be done at any time of the year.
3. Mardi Himal Trek The Mardi Himal trek begins with the oak and rhododendron trees that enthuse the hearts of the trekkers. Located below Machhapuchhre, Mardi Himal offers a spectacular view of Machhapuchhre, Annapurna, and its peaks. In the same way, the sight of flowing rivers, iron bridges, even bamboo bridges, and rural lifestyles make the heart of trekkers delighted.
4.Langtang Gosaikunda Trek This trek is well known for visiting the sacred Gosainkunda lake located at an altitude of 4,380 meters above sea level in Langtang National Park and Rasuwa, a sacred place for Buddhists and Hindus. It's even more rewarding to travel in winter because of the beautiful and magnificent views of the mountains. This trek extends the great experience of visiting the holy Gosainkunda lake and exploring the remote and scenic Himalayas. In Hindu and Buddhist mythology, the lake has an epic story behind its formation. That’s why Gosaikunda Trek is also a good place to visit during winter in Nepal.
5. Khopra Danda Trek Khopra Danda Trek is another trek suitable for the winter season. In fact, it is an amazing journey that begins with the beauty of different landscapes, unique ethnic communities, different landscapes, beautiful forests, etc. It offers a 360-degree view of the Annapurna range along with Dhaulagiri, Machhapuchhre, Nilgiri, Hiuchuli, and other small hills. Still, the display of the great mountain in Lake Kaire at an altitude of 4,665m is another attraction during the trip.
6.Dhampus Sarangkot Trek Dhampus Sarankot Trek is located in the Annapurna region near Pokhara city. It is the easiest and most comfortable trek for people of all ages. Dhampus is the traditional Gurung community. Dhampus is the gateway to the Annapurna base camp trek and the Mardi Himal trek. From Dhampus Sarangkot Trek, you can see sunrise and sunset with the majestic Himalayas views. The trip takes you to beautiful villages in the middle of the mountains of different tribes, which is considered one of the best and easiest trips in the region. You will have the opportunity to enjoy the color change of the tower, explore the local culture and learn about their cultural traditions of them. Dhampus Sarangkot Trek is the best destination for family trekking and the best winter trek in Nepal.
7. Jomsom Muktinath Trek Jomsom Muktinath is also a great trek in winter. You can see many beautiful sites in this Annapurna region. While traveling, you will see Kagbeni, Poon Hill, Kali Gandaki Gorge, Muktinath, and Jomsom. It is also easy to do all year round, but winter gives you different views. For example, snow covers the dry valleys of Muktinath, Jomsom, and Kagbeni. You will see a snow-white valley of brown nature. Therefore, if you want to explore the differences in the development of Mother Nature. In the wilderness of the Annapurna region, a winter trek will be the best for you.
8.Tamang Heritage Trek The Tamang tribe is an important part of the Langtang Valley. It is interesting to see and hear about these natives. People of this place live with their customs, traditions, values, practices, and traditional beliefs. Not only are these groups of people amazing, but their habitats are equally beautiful. So, if you want to take a new experience during your winter vacation, then you must visit this place. After all, this trek gives you lots of mesmerizing mountain views and a great cultural experience.
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2023.03.30 12:01 spencewatson01 🐰🏨✈️HOPPER CARROT CASH CODE!!
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2023.03.30 11:55 nonamesgiven0 Does Credit Card Cash-Back apply at airport self-serve fuel stations?
Hello all, I'm very new to the world of Credit Cards (21m) but very well versed in debit/loans/budgeting. I'm transitioning off being an authorized user on my parents cc and looking into getting my own. As it stands I'm bringing in ~3k-3.5k per mo depending on overtime (net). I'm also looking into getting my pilots license over the next year. So my real question is "Are small airport's fuel centers a "gas station" or how would I find the details in each card policy." They only state "3% on eligible purchases of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations)" which would rule out Kroger? I guess I don't know what fine print I'm looking for, or if the fine print even covers it. If it helps I'm looking at either
Amex Blue Cash Preferred or
Chase Sapphire Preferred.
Blue Cash Preferred - If it gives CB on avgas it would pay for itself in my fuel spending every year alone, plus the majority of my budget goes towards food (grocery).
Chase Sapphire - Rewards on car rentals would be a very convenient feature when flying to other cities for weekends / hotel offers.
Like I said, I'm quite new to credit cards, but financial discipline is a language I speak fluently, so jumping through hurdles & twisting arms to get the max benefit isn't something I'm currently worried about. If I miss anything I'll do my best to both reply to the comment & add it directly into the post. If there's another card you think would fit the bill better, please share, although not really the topic of this post.
Thanks everyone!
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2023.03.30 11:44 Vegetable-Cobbler734 [SCHOOL OF STOCKS ] Basic principles and methods of reading financial statements
| https://preview.redd.it/xjkzjd6xjuqa1.jpg?width=406&format=pjpg&auto=webp&s=f91b562e268d84b296ec9182d8e643744a8c7c06 Specifically, the research of listed companies is to do two "three combinations". The first "three combinations" is: to combine the analysis of financial data with the development trend of the industry in which the listed company is located; to combine the analysis of financial data with the competitiveness, supply and demand of the goods produced by the listed company; to combine the analysis of financial data with the market capital flow of individual stocks. The second "three combinations" are: to combine trend analysis, structural analysis and ratio analysis when analyzing financial statements; to combine total changes with ratio changes; to combine the analysis of quantitative indicators with the nature of the problems analyzed. The essence of these two "three combinations" is that we should not only focus on the past and current operating results of the listed company, but also be good at predicting the future development trend of the company through the changes in the relevant data. I. Analysis of Money Funds and Debt Money capital is a general term for all kinds of cash, bank deposits and other monetary funds of a company. It not only reflects the enterprise's immediate payment ability and the speed of turnover, but also is one of the important signs of whether the enterprise has growth potential. And when analyzing the money capital, you can start from two aspects; one is the total amount of money of the listed company, and the other is the money capital that each share of stock can have after deducting the debt. If a listed company has neither new projects in operation nor sufficient capital, its investment value is quite questionable. In a tight macro environment, a company's debt situation often determines its own development trend. If a company has a large backlog of products, is in debt, and has no way to raise funds, then the company's future is not very optimistic. Generally speaking, the analysis of the debt status of an enterprise is mainly based on the proportion of the amount of debt to the total assets of the enterprise, i.e. the gearing ratio, which is roughly around 25% for a listed company with normal production and operation status. If it is less than this ratio, it indicates that the company has strong financial strength. On the contrary, enterprises with a shortage of liquidity and a heavy debt burden often have a gearing ratio of 80% or more, and such enterprises may fall into the abyss of bankruptcy if they are not careful. Of course, in times of demand expansion, it is still possible to expand debt operations. However, the prerequisite is that the profit rate generated by the debt operation should be higher than the average interest rate of borrowing, and the difference between the two should not be less than the average social profit rate. Therefore, such expansion must be moderate and not excessive. 2, inventory and accounts receivable analysis These two items directly reflect the sales status of the enterprise, and thus relate to the solvency and efficiency of the enterprise. In the financial statements, inventory is used to reflect the total price of all kinds of finished goods, semi-finished goods and raw materials in the company's inventory. For manufacturers and retailers, an excessive inventory backlog is not a good sign. Once the growth rate of inventory exceeds the growth rate of sales, it means that the normal capital cycle of the enterprise is blocked, and the liquidity shortage will affect the future reproduction. To avoid this consequence, the only option is to reduce the price of sales, reduce inventory and recover cash. But this measure has to bear the loss of profit. Of course, the change from high to low inventories can be seen as the first sign of a turnaround in business operations. Accounts receivable is the total amount of assets used to reflect the company's outstanding receivables, bills and labor costs. If the number of accounts receivable is too high, it means that the company's poor collection of goods and funds are in serious default, which in turn causes the company's own liquidity constraints. What's more worrying is that some accounts receivable may easily become "bad debts", thus causing the loss of corporate assets and affecting the future development of the company. - profitability analysis.
Generally speaking, the amount of earnings and the level of profitability will be directly related to the return on investment of stockholders, investors must pay attention to. Profit after tax per share. This is the most interesting factor in the financial statements of listed companies. Its analysis includes two aspects: First, the absolute amount of the high and low, which reflects the past of the enterprise; The second is the amount of increase or decrease in profit after tax per share, which reflects the growth of the enterprise. The analysis of profit after tax per share also takes into account the annual delivery and allotment of shares by listed companies. Total profit and profit growth rate. Investors must pay attention to the analysis of multiple elements that affect the change of total profit. One is to analyze the increase or decrease of the company's sales volume and the degree of impact on profits; the second is to analyze the increase or decrease of the company's operating costs and various expenses; the third is to analyze the changes in the sales price of goods and the degree of impact on profits. If the operating costs and various expenses of a listed company increase significantly, it is likely that there are serious problems in the operation and management of the enterprise. In addition, investors should also analyze whether the total profit is miserable into the water, for this reason, investors should pay attention to analyze the amount and composition of the account of amortization and withholding costs, to see whether there should be unamortized and unprovided costs; analyze whether the financial expenses and long and short-term borrowing match; analyze the change of various assets of the enterprise, to see whether the depreciation of fixed assets and amortization of intangible assets and deferred assets are in line with the current accounting system. In addition, investors should also be good at analyzing the profit growth rate, sales margin, return on net assets and their changes in conjunction with the industry characteristics and economic cycle of the listed company, and make a comparison with the profit margins of listed companies in the same industry to judge the management level of the listed company and the trend of profit changes. Finally, medium and long-term investors should also pay attention to the analysis of the listed company's ability to obtain profits and increase profits steadily in a longer period of time. Analyze the profit composition. Generally speaking, listed companies with outstanding main business and large industry share, whose profits are growing steadily have less investment risk. While other companies, although its total profit increased during the year, but the main business profit has not taken off, or even also fell sharply, such performance growth is often unstable: either because of excessive expansion of non-competitive side business or look at excessive speculation, once a bad grasp, the business will quickly collapse. Analyze the potential or backbone of earnings growth. Pay attention to the structure of talents and the amount of scientific research expenses of the listed company; analyze the situation of new patents, new technology applications and new product development of the enterprise; analyze whether new sales networks and sales methods have been developed and formed; analyze the actual situation of the current major projects under construction and the operation of the completed major projects of the company to see whether new profit growth points will be formed and to find out whether there are good market speculation topics from them. Finally, let's talk about the comprehensive analysis of the financial situation. There are many methods of comprehensive financial analysis, but here is a brief description of the main methods. DuPont Financial Analysis System The DuPont system considers that the financial activities and financial indicators of an enterprise are interrelated, interdependent and mutually influential, thus, it draws the intrinsic relationship between a number of financial indicators into a DuPont analysis chart. The basic ideas of the analysis are: 1、Owner's equity net profit margin is a most comprehensive financial analysis indicator, which is the core of DuPont analysis system. 2、Net asset margin is the most important indicator that affects owner's equity margin and has a strong comprehensive nature, while net asset margin depends on the level of net sales margin and asset turnover ratio. 3、Expanding sales revenue and reducing cost is the fundamental way to improve sales margin, and expanding sales is also the necessary condition and way to improve asset turnover. 4、To analyze the asset structure that affects the asset turnover rate and the equity structure that affects the solvency of the enterprise. To analyze whether the use of enterprise assets is reasonable in relation to sales revenue, to analyze the asset structure in relation to the equity structure or to analyze the solvency in relation to the asset structure. Radar chart analysis method. This method is a way to summarize the main financial analysis ratios and compare the company's financial indicators with the industry average and the best historical level of the enterprise, so as to achieve the goal of reflecting the overall financial situation of the enterprise in a comprehensive manner. The Vol. Ratio Scoring Method. It combines financial ratios such as current ratio, equity ratio, sales margin, return on total assets, return on capital, gearing ratio, accounts receivable turnover, inventory turnover, etc. with a linear relationship and gives the respective score weight, and then determines the score of each index and the cumulative score of the overall index by comparing it with the standard ratio, so as to make a comprehensive evaluation of the financial condition and profitability of the enterprise. This will provide a comprehensive evaluation of the financial condition and profitability of the company. To sum up, investors should focus on choosing those listed companies with sufficient cash, low accounts receivable, strong solvency, good sales of goods, high profitability and new profit growth points for investment. submitted by Vegetable-Cobbler734 to Burystocks [link] [comments] |
2023.03.30 11:38 certified_chutiyahu Admission leliya. Classes start hone se pehle kuch *phun* activities bata do.
2023.03.30 11:30 xiaodaireddit What makes buy now pay later (BNPL) attractive to you?
I have a credit card so I don't see the need for BNPL. For those of you who use it, can you tell me what's so special about it that makes you want to use it?
I read a retail banking use-case in Singapore where if you buy an item, you can apply to the bank to have it split over several months. E.g. you buy an iPad for $1200 and you apply to have it split over 3 months then the bank will take 1200 off your credit card bill this month and then add 400 to it every month for 3 months.
But that's just for short term cash flow. Most card user pay off their card every month so why BNPL?
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xiaodaireddit to
AusFinance [link] [comments]