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Banks Recommendations

2023.03.25 01:28 Franua2799 Banks Recommendations

Gusto nako mag sugod ipon para sa future then karon naga pangita ko bank recommendations na unta low initial deposit ug maintaining balance (graduated last year, bag-o lang nanarbaho, antos sa ko'g minimum wage) na passbook ang ihatag dili Card. Salamat kaayo.
submitted by Franua2799 to davao [link] [comments]

2023.03.25 01:28 ultraprismic Card request and a ludicrously basic question about travel rewards

Background: In our 20s, my husband and I got into stupid, stupid credit card debt. We buckled down and started budgeting, saving, and paying it off in our early 30s. It was successful (thanks, YNAB!) and we now have no debt other than a home and car payment, healthy savings, etc.
When we were in debt paydown mode, we put our credit cards in a drawer and used debit cards only. We cancelled our cards once the balances hit $0. (Yes, in retrospect, bad idea! Reward points, purchase protection, age of accounts, etc. It made sense for us back then, psychologically speaking, to know every swipe came out of our checking account, and to close those cards once we paid them off.) After we paid off our debt, I opened a TD reward card that we use for almost everything and faithfully pay off in full each month.
I know nothing about credit card rewards beyond "we get them." I redeem ours in cash every once in a while and throw that into our e-fund or travel fund. But I know we could be doing this much smarter.
We live in L.A. and visit family in Chicago twice a year, so whatever card we get, the points have to be redeemable for American or United (the only domestic nonstops LAX-ORD). Other than that, we travel 4-5 times a year - relatives in San Francisco, friends in DC and NY, other domestic trips. We have a baby, so not a ton of international travel in our future beyond maybe Mexico.
I started researching travel reward cards and my head is spinning. My credit score is excellent, so I think I can get approved for any mainstream card. We eat out a lot and love to cook, so something with good foodie rewards would be ideal. But if I get, say, AmEx Gold, can I use those points to book trips with any airline, or just AmEx partners? What about Chase Sapphire Preferred?
I guess my question is - which card is right for a beginner travel rewards person? Whichever one I pick, can I redeem those points for flights on any airline, or am I limited to that card's specific partners only? Are airline-specific cards ever worth it (for instance, the AA or United cards, which would give me free checked bags on those flights if nothing else), or are the rewards lousy?
submitted by ultraprismic to CreditCards [link] [comments]

2023.03.25 01:22 Training-Detective-3 midwest asian loses any and all hope for T20s

Intended Major(s): Economics, Government, some business schools as well (varied between schools)
Standardized Testing
List the highest scores earned and all scores that were reported.
List all extracurricular involvements, including leadership roles, time commitments, major achievements, etc.
  1. State FBLA, Vice President: elected in a state of 3,500+; upkept every aspect of organization's online presence, planned and conducted state conference for 1,800+ members
  2. School FBLA, President: nationals top 10, state champ, nationals qualifier x3
  3. Online intl. debate organization of 800+, Founder & President: spent hours organizing and arranging debate seminars, councils, and comps.
  4. Model UN, Executive Officer: unfortunately we only attend one intl. conference per year, but I've earned an award at every conference we've attended
  5. Regional voter registration, Founder and Chair: worked with local elected officials and party organizations to direct non-partisan voter registration in my area
  6. Local political org, Communications Director: wrote press releases, worked with elected officials to coordinate campaign/volunteer opportunities
  7. Volunteer teacher's assistant for middle school math class, created student database for 3 classes, graded exams every week and helped reinforce important learning concepts
  8. State representative campaign, Volunteer then Intern: systematized county candidate database, tracked constituent issues, led weekly canvasses/phone banks
  9. Social Studies Honor Society, executive officer: organize and direct annual Trivia Bowl, promote and advocate for civic engagement
  10. School Literary Magazine, editor: edited and rated pieces to be considered for publication, nothing special
  11. UChicago Summer Immersion, student: studied econ through quantitative experiments, culminated in paper on competitive price discrimination
  12. Self-directed research: researched wealth inequality in my local city through a human-rights lens, offered policy proposals
List all awards and honors submitted on your application.
  1. National Merit Semifinalist
  2. Local youth service award winner, nominated by school and recognized by local navy council
  3. Presidential Volunteer Service Award (Bronze)
  4. Outstanding Del, Model UN international conference (highest honor, doesn't award best del)
  5. FBLA Top 10 Nationals
Letters of Recommendation (FERPA exists so I'm guessing)
Government teacher- 7/10. Wasn't worried about this one until I received four rejections this week. Doesn't know me super well, but assumed she'd write an okay letter. Not sure anymore.
English teacher - 9/10. I know she wrote some unique things about me, and she is a FANTASTIC writer, so I really trust that she wrote it well
School FBLA advisor - 9/10. The teacher I'm closest to, knows me extremely well and is aware of everything I've done for the club and on the state level.
Counselor- 7/10. Wrote my nomination letter for a service award (which I did get), so I heard a blurb of what he wrote about me, and it sounded pretty good; it should be pretty standard, but nothing that could've hurt me
UPenn- 8/10, interviewer was sweet and I felt like I said everything I could've, but I did screw up one question which could've been important (How do you find a balance between your academic and social life, super important to Penn culture)- freaked out and gave a super generic answer
Georgetown- 6/10, had internet connections on my end, so we had to move to a phone call. The conversation just didn't flow as well as I wanted it to, and Georgetown is one of my dream schools, so I'm really upset
Harvard- 8/10, interview was standard, was actually pretty disappointed in my interviewer- didn't ask any interesting questions and guided my interview in a very boring way. She was super sweet though, just didn't feel like I did the best I could've
Princeton- 12/10, absolutely perfect. My interviewer was older, but I felt super calm throughout the whole thing and was very happy with how I handled all the answers. He told me he's rooting for me to get admission, knows I'll have a lot of options (lol he was wrong!) and that I'll choose Princeton out of all of them :)
Cornell- 6/10, not evaluative, interviewer was older and barely knew anything about the school now, so didn't get me excited or anything
Northwestern- 9/10, interviewer was the absolute best, would even tell me what he'd write on my report as I spoke, very casual conversation and felt very good about it
Decisions (unbelievably disappointed and want to cry):
Waiting on:
At this point, I'm completely done and have lost any kind of hope I could've had of getting a T20. USC came as a massive shock, especially considering I'm a National Merit Finalist. Same with WashU, I did the video portfolio and everything, and it didn't work out. Extremely disappointed and feel like everything I've done was for nothing. I'm still in complete shock and genuinely don't think I can go back to school after spring break.
submitted by Training-Detective-3 to collegeresults [link] [comments]


This all start a few months ago, when after going to the store and finding out there was no money in my account, when there was 20k and change just the previous week. Now the bend in this is my Chase app has never worked. so, I could never view my statements, every month when I took out cash at the ATM, I would check my balance. now when I found out there was nothing in the account, I used my phone to select the option to hear my last ten transaction. Thats when I found multiple $800 charges and I had not made any large purchases. So, i called the bank and made a claim on those charges, now the claims person, went the distance and gathered up all the charges that had the tag Facebook tag on them. and as it turns out for the month of December, which is the month, he was looking at there where 4k dollars' worth of charges and he sent in the claim. two hours later I had the money back in my account. Now in hindsight I should have had him check all the other months. But was just happy I got some money back. but a week later I called back to have them look at the other months was told there were no other $800 charges. but I was still missing 16k money. Was asked for the third time why don't I just use the online app to see my statement s and once again had to remind them that I have never been able to get it to work, so he transferred me to customer service. they helped me get the app to work, so now I can check my statements. and so I did and found in the month of January there where 12467.06 worth of Facebook charges, on my account .so I talked to claims department again and sent in a claim for those charges. now all these charges have the same Facebook tags that the 4k had, and to just let you know all these charges or out of New Zealand. I live in Arizona. after submitting my claim and waiting a few days I called back only to find out they had declined my claim. saying that they had been processed properly. And they would not credit my account for the claim. I am being penalized for the thief's ability to use my stolen information properly. and they could not explain to me why the $4k claim was approved and the $12k was not when they have all the same NZ Facebook tags. I just want my money back. so, they have me sending them info on when I moved from Las Vegas to here in Arizona and information on my many visits to the hospital during the months that all this was going on, as am a disabled veteran and a senior citizen, playing every card I have to get my money back. Sorry for the very long-winded explanation. they have sense resubmitted the claim and I am sending them the info they requested. fingers crossed I am at my wits end and don't know what else I can do. any thoughts?
submitted by Low_Site4922 to Scams [link] [comments]

2023.03.25 01:08 DarkoTSM Looking to be recruited (EU)

Probably the only player right now that wants to be recruited, but none of the offers is appealing to me. I've been playing this game since WoD with a big break last expansion. Using this subreddit and other forums I managed to get all the old RAF mounts and had a great time playing with my recruits. (Especially when the bonus rewards were 200% XP increase). Always took WoW as a game and never could understand the drama some people make out of this game. I’ve mostly moved to classic WoW and, since I need a banking/action house alt account, I’ve came up with this proposal that I think some of you might be interested in.
What will you get? 3 months of gametime and all the cosmetic rewards.
What do I want? 4 tokens in advance on any EU server, they will be used to found this account. (or bnet balance if you use euros as currency).
What can I guarantee? That I will stay subbed for at least 6 months, so you can at least get all the current cosmetic rewards. I want to keep the account indefinitely, so you probably get all of the rewards out of me, but this is what I can guarantee for certain.
Other stipulations:
My rep: good reputation in this subreddit (my announcement is still pinned and you can check I tried to help people that had questions in the past); good reputation in reddit in general; you can see my points of view in general in reddit history; good reputation on Romanian communities WoW, HS, ect; recruited a few people using this subreddit myself as said at the beginning.
PM me here if intrested.
submitted by DarkoTSM to wowraf [link] [comments]

2023.03.25 00:54 IAmEggsOk Why the what? Why is this an option? And how’d it do so much damage?

Why the what? Why is this an option? And how’d it do so much damage? submitted by IAmEggsOk to BitLifeApp [link] [comments]

2023.03.25 00:49 squid7012 I think the game wants me to be a Housekeeper.

I think the game wants me to be a Housekeeper. submitted by squid7012 to BitLifeApp [link] [comments]

2023.03.25 00:45 Friendly_Umpire2811 Beginners guide $50 Packages included 2 balanced ccs💳 Premium chat Stockx & goat method👟 2022 mobile deposit ATM sauce Cashapp loading sauce ♻️ Instant ATM sauce Site list (CC site , log sites , bank log sites & more) Method booklet (10+methods to start makin money daily ) tele monso1k

submitted by Friendly_Umpire2811 to MoneyMaking [link] [comments]

2023.03.25 00:44 No-Amount876 Life has been rough after covid

I am 29 now.
I had job, good place to stay, healthy bank balance. Everything one needs until covid hit.
I got this loud breathing condition which can't really be fixed. I cant really perform in interviews due to this. I lost my golden job in covid period, since then i slowly accepted lower paying jobs. Everyone around me elevated to new heights in meantime I here I am broke and I have nothing left to lose.
My heath also has taken a hit.
If anyone got any online job opportunity please let me know.
[email protected]
here is my email.
Please don't try to scam me, I have nothing left to lose.
submitted by No-Amount876 to SuicideWatch [link] [comments]

2023.03.25 00:38 floppidydoodah Need a screen share for quick help

Hey guys! Just getting going . Already entered all my categories and set targets but balances aren’t matching. And confused with reconciling i think i did it with out confirming balances matching with bank etc. probably a quick fix but taking forever to sort through all these tutorials to find my answer . Need some help! much appreciated
submitted by floppidydoodah to ynab [link] [comments]

2023.03.25 00:36 FlyingSumoSmack86 Money disappeared next year?

Money disappeared next year? submitted by FlyingSumoSmack86 to BitLifeApp [link] [comments]

2023.03.25 00:34 MomentumToday LF Long-Term (banking) Relationship

Looking for advice, please. I am a long-time USAA member who has had it, and I’m looking to leap to another bank for Checking & Savings. I’m torn between Chase and Capital One. It’s my intent for this to be a long-term relationship, not interested in churning or anything like that.
My mortgage is currently with Chase, while I have a Venture X card with C1.
My investments are held elsewhere, and for now, I don’t see bringing them into my bank. (I know if I did so with Chase I would gain some substantial benefits).
Based on daily balance I would qualify for Chase Premier Plus, maybe Sapphire (depends on the month). The $25 fee if I miss the minimum is not a deterrent.
I can get to a physical branch for both. C1 is most lenient on fees, although if I were to open Chase Sapphire (other than the $25 fee) they’re about the same.
My priority is ease of mobile banking and responsiveness of customer service. Can anyone with experience with either bank, or both, make a recommendation, or some factors I should consider? Thank you.
submitted by MomentumToday to Banking [link] [comments]

2023.03.25 00:30 foreverbeautiful- U.S. regional bank liquidity risk continues to spread as market rate hike expectations cut sharply

Last week, to prevent the banking sector crisis from spreading, the Federal Reserve announced an emergency Bank Term Funding Program (BTFP) on March 12, which provides loans to all U.S. federally insured depository institutions for up to one year. U.S. regional bank stocks were once again sold off as market risk aversion heated up. The banking system tightened funding after recent risk events, with short-term borrowing from the Fed's discount window increasing sharply to $152.9 billion, surpassing the high of the 2008 financial crisis; meanwhile, the Fed lent more than $160 billion to the banking sector through two other credit instruments. In terms of economic data, U.S. CPI, PPI and retail sales show that inflation continues to move downward, but core inflation remains stubborn. Consumer confidence has not been restored despite a decline in consumer inflation expectations. Banking sector risks continued to spread making the market risk averse and the US bond yield curve steepened sharply throughout the week; banking sector risks also added to recession fears and investors sharply cut interest rate hike expectations; equity assets were under pressure overall. On the exchange rate front, the U.S. dollar index fell. Among commodities, Brent crude oil fell for the full week and gold prices rose. Asian credit markets had no primary new issuance, secondary market investment grade rebounded with the broader market, and high yield segment was weaker due to real estate impact.

Market Dynamics

Last week, to prevent the spread of the banking sector crisis, the Federal Reserve announced on March 12 the Bank Term Funding Program (BTFP) on an emergency basis, providing loans of up to one year to all U.S. federally insured depository institutions. Specifically, the loan program allows banks to meet customer withdrawal requirements by pledging U.S. Treasuries, mortgage-backed bonds and other debt to borrow funds equal to the face value of the collateral at a one-year overnight index swap rate plus 10bp, without having to sell the portfolio at a loss. Market sentiment eased briefly after the policy was introduced. On Tuesday, Moody's downgraded its outlook on the U.S. banking sector to "negative", saying that despite efforts by regulators to support the industry, its "operating environment has deteriorated sharply", while downgrading six banks and placing them on the negative watch list. U.S. regional bank stocks were sold off again, as market risk aversion heated up. On Thursday, 11 major U.S. banks joined forces to provide liquidity relief to a regional bank at risk - injecting $30 billion in deposits. As market confidence weakened, another globally systemically important bank released its annual report admitting "material weaknesses" in its internal controls, reigniting concerns that the banking system's material risks had not been lifted, and with negative comments from its shareholders, the bank's shares fell continuously after news that it would be acquired. The banking system is tightening after the recent risk events, the Federal Reserve discount window borrowing short-term increased sharply to $152.9 billion, surpassing the high point of the 2008 financial crisis; at the same time, the Fed lent more than $160 billion to the banking sector through two other credit instruments. The liquidity created by the Fed in the last week has added about $300 billion to its balance sheet, equivalent to the size of QT in the last four months.

In terms of economic data, U.S. CPI, PPI and retail sales show that inflation continues to move downward, but core inflation remains stubborn. on March 14, data from the Bureau of Labor Statistics showed that U.S. CPI grew 6% year-over-year in February, slowing down for the eighth consecutive month; core CPI grew 5.5% year-over-year, which has fallen for the sixth consecutive month. However, core CPI was slightly above expectations at 0.5% YoY, highlighting inflationary resilience. Services inflation dominated overall CPI growth, with housing continuing to be the main driver of CPI, accounting for more than 70% of growth; food, entertainment, household goods and operating indices also contributed. The U.S. PPI fell 0.1% in February from a year earlier, below expectations of 0.3%; it rose 4.6% year-over-year, down 1.4 percentage points from the previous month and the lowest year-over-year increase since March 2021. Meanwhile, retail sales data showed all the cooling of consumer demand, with retail and food service sales rising 5.4% year-over-year in February, down 2.3 percentage points from the previous month; down 0.4 percentage points year-over-year and 3.6 percentage points from the previous month. High prices continue to have an impact on consumer confidence. U.S. one-year Michigan consumer inflation expectations registered 3.8% in March, down 0.3 percentage points from the previous value and the lowest since April 2021, but still well above pre-epidemic levels. Despite the decline in consumer inflation expectations, consumer confidence has not recovered. The U.S. Michigan Consumer Confidence Index registered 63.4 in March, the first decline in confidence in nearly four months.

Banking risks continued to spread making the market risk averse, the U.S. bond yield curve steepened sharply throughout the week; banking sector risks also added to recession fears, investors sharply cut interest rate hike expectations. The U.S. bond rate curve moved down significantly throughout the week as the degree of curve inversion continued to ease. 2-year U.S. bond rates moved down 75bp to 3.84%, 5-year U.S. bond rates moved down 47bp to 3.50%, 10-year U.S. bond rates moved down 27bp to 3.43%, and 30-year U.S. bond rates moved down 9bp to 3.62%. Equity assets were under pressure overall: the Bloomberg Barclays Global Equity Index fell 0.05%, the U.S. S&P 500 Index rose 1.43%, and the Bloomberg Barclays Emerging Markets Equity Index fell 0.39%. Bond markets were mixed, with credit spreads generally widening. The Bloomberg Barclays U.S. Investment Grade Credit Bond Index rose 0.76%, while the Bloomberg Barclays U.S. High Yield Credit Bond Index fell 0.42%; the Bloomberg Barclays European Investment Grade Credit Bond Index rose 0.50%, while the Bloomberg Barclays European High Yield Credit Bond Index fell 1.01%. In commodities, Brent crude oil fell 11.85% for the week to $72.97 per barrel, while gold rose 6.48% to $1,989 per ounce.

Asian credit markets had no primary new issuance, secondary market investment grade rebounded with the broader market, and the high yield sector was weaker due to the impact of real estate. For the full week, the Bloomberg Barclays Asian Credit Index returned 0.72% for the week, the Bloomberg Barclays Asian Investment Grade Bond Index returned 0.75%, and the Bloomberg Barclays Asian High Yield Grade Bond Index returned -0.85%. The Bloomberg Barclays MidCap USD Bond Index returned 0.68% for the full week, the Bloomberg Barclays MidCap USD Bond Investment Grade Bond Index returned 0.87%, and the Bloomberg Barclays MidCap USD Bond High Yield Grade Bond Index returned -0.44%.

Data source: Bloomberg Data as of: 2023-03-17

[Risk Warning].

Investment involves risk. Past performance is not indicative of future performance. The price of investment products and their returns may go up or down, and there is no guarantee of future performance or capital value. Investors should not rely solely on this information to make investment decisions. The value of investments may also be affected by exchange rates. Investors should seek professional advice.

This information is for informational purposes only and does not constitute an offer or a commitment to buy or sell any investment products. Bosera Funds (International) Limited ("Bosera International") believes that the data sources obtained in the preparation of this information are accurate, complete and appropriate. However, Bosera International does not guarantee the accuracy or completeness of the information contained in this material. Boshi International does not assume any legal liability arising from the use of this material. This material may contain "forward-looking" information that is not purely historical in nature. Such information may include projections, forecasts, estimates of earnings or returns and possible portfolio composition. This information does not constitute a prediction of future events, research or investment advice and should not be considered a recommendation to buy or sell any securities or to adopt any investment strategy. The opinions expressed herein reflect the judgment of Boshiwa International as of the date of preparation of the materials and are subject to change at any time without notice due to subsequent changes in circumstances.
submitted by foreverbeautiful- to wallstreetbets [link] [comments]

2023.03.25 00:23 MysteriousHawk2480 Burden of evidence: terroristic threats, harassment. NJ, USA

Please rate the validity of these pieces of evidence as they pertain to attaining a permanent restraining order. (cohabitation - father / son)
Plaintiff testifies defendant has drug problem
- Marijuana and marijuana paraphernalia submitted as evidence
- Marijuana products from MA submitted as evidence (drugs crossing state lines)

Plaintiff testifies defendant has two firearms. (Those with restraining orders are not allowed to bear arms)
- Two firearms and ammunition are submitted as evidence from a gun safe in the house

Plaintiff testifies they did not feel safe in the home
- Text message from time of incident requesting to stay at a friends house out of state
- Picture of barricaded door from the time of the incident
- Picture of dry chemical fire extinguisher next to bed, in case the plaintiff needed to defend themself

Plaintiff has requested a restraining order in the past but was rejected
- This should be in the court system already

Plaintiff testifies they did not know what to do in the situation, so they sought advice from domesticviolence
- Detailed post from the time of incident matching with testimony

Plaintiff testifies they are economically dependent on the Defendant, making them vulnerable
- Bank statements with a balance less than $3
submitted by MysteriousHawk2480 to domesticviolence [link] [comments]

2023.03.25 00:13 Much-Emu-9835 Just started

Hey everyone, I just started dashing this week, and I have some earnings but it's not showing in my balance? Just curious if there's a wait time for that? I set up dasher direct after my dash ended yesterday so I was just curious if my balance will be sent to my bank account instead?
submitted by Much-Emu-9835 to doordash_drivers [link] [comments]

2023.03.25 00:11 Thermicknight7 Poor crispin, he was my bandmate for 30 years, I befriended him then made him my enemy, kicked him out of the band leaving the band with no original members beside me, and then I pranked him and made a song bashing him 🤣

Poor crispin, he was my bandmate for 30 years, I befriended him then made him my enemy, kicked him out of the band leaving the band with no original members beside me, and then I pranked him and made a song bashing him 🤣
It says I shaved him bald but he already was bald lol
submitted by Thermicknight7 to BitLifeApp [link] [comments]

2023.03.25 00:05 SassyRose1983 Verizon Is About As Useless as the G in Lasagna

I am beyond frustrated, annoyed, and disappointed with all things Verizon. I have submitted tickets multiple times for lost payments on my account. Every time I have opened a ticket, I have submitted proof that it was paid through my bank. Verizon somehow can't seem to find the tickets and information, which results in my services being suspended. It happened TODAY and I called the financial service team, I was on the phone for OVER 7 HOURS! Being transferred back and forth like a ping-pong ball between billing and financial services. I was told if I opened up another ticket and paid $100 towards the balance my services would be restored. I was told this not by 1 but by TWO different agents, but suddenly when they receive my money their story changed. Now they can't help me at all and have no clue about the tickets or the payment I made today. Worst Customer Service EVER!!!
Does anyone know of a number I can call to escalate this situation? Because speaking to a supervisor gets me nowhere when I'm allowed to speak to a supervisor. I'm usually told by the agent that the supervisor will tell me the same thing they told me. I call BS on this Verizon. So worthless, should have stuck with TMobile.
submitted by SassyRose1983 to verizon [link] [comments]

2023.03.24 23:53 Additional_Pride_270 Being this rich is so boring. I want to buy islands and franchises, and countries. I want to buy NASA

Being this rich is so boring. I want to buy islands and franchises, and countries. I want to buy NASA submitted by Additional_Pride_270 to BitLifeApp [link] [comments]

2023.03.24 23:48 WorthServe355 I’m getting tired of it

I (16M) find myself feeling tired of basically everything every day since December. Ever since getting into a fight with my narcissistic ass of a father about 7 months ago(who doesn’t really support the family besides paying rent, and also refuses to accept my mom wanting to divorce him even though he brought it upon himself for emotionally, verbally and psychologically abusing her and me and my 3 siblings for the last 20+ years), my life’s been going through a sort of downward spiral.
I started working because I wanted to help support the family a little bit and help my mom pay off debts that my parents both owe, but my father doesn’t pay. All I do is work now, and whatever time I have left is only enough for a fraction of my homework and sleep. I barely have enough time to spend with my little brothers, or doing anything other than work, but have barely anything to show for it, besides currently failing grades in 3/4 of my classes, missing assignments, feeling tired all the time and a bit more money in my bank account. The grades were the hardest blow to me, as I’d really been struggling to improve my grades and focus on studies (I have really bad adhd when it comes concentrating on work or anything in general, I just can’t), but was able to get them into the 80’s last semester. Now they’re at 40’s because trying to balance school, work and personal stuff is a lot to handle for me.
Nobody I know really knows how I’ve been feeling about this situation, they think I’m doing just fine (aside from some school stress), which is why I wanted to get some advice about this from you guys on reddit. I can’t let my family know about this because I don’t wanna pass the burden on the them, and I want to handle these feelings on my own without them stressing, but all I feel is sad, empty and drained/tired of it all. I’m not gonna kms because I know that right now, I need to be strong for my family. If I go now, I’m abandoning them to be stuck with him, as well as throwing away all chances to become the man I want to be and give them a better life where they don’t have to worry (mom especially), but with my current grades and situation, it doesn’t feel like I can make that dream a reality.
I hate feeling this way, because I want to do this for them, but all of these emotions, probably strengthened by my adhd (I was/still sort of am really emotional, for some reason strong emotions really hit hard, I remember hearing that adhd makes emotions feel stronger)are giving me a sense of confusion (over why I feel this way) and emptiness. I know I can’t and won’t give up, as I’m the one my family knows they can always count on, and I won’t go back on that or show them my current mental state, but every day, getting out of bed and just telling myself “that’s life” or “it is what it is” gets harder and harder. I don’t like the idea of thinking I’m depressed or something (never had depressing feelings that lasted more than a day), but at this point I feel like I am. I feel guilty for writing and posting this, but I can’t see any other way of getting this off my chest without dumping it onto someone else I know. Thanks and sorry for having to read my rant.
submitted by WorthServe355 to offmychest [link] [comments]

2023.03.24 23:44 HSeldon2020 Three Examples - Three Mistakes - Three Lessons

Example 1: Betrayal!
You go long stock FAFO at $100.20. Stock is bullish, market is bullish, daily chart is bullish - it broke through its SMA 100 on the Daily, and has higher than average volume. Great choice by you! You're a champ.
But right after you get the shares, FAFO drops to $99.85, back below its SMA 100 (a breach you never confirmed). That's ok, only down .35 - not a problem. Sure you took 500 shares in a $15,000 account (using Day Trading Buying Power), but whatever, it's fine, hell, the market is still strong!
Market drops.
FAFO had Relative Strength but for some reason known only to the God of You're Fucked it no longer does...and now FAFO is at $99.25, down .95. Still, support is at $98.25 and unless it breaks through that, your thesis is still intact. Besides, it is not like this stock is never going to be above $100.20 again, right??
Shit, you can't trade because all your money is tied up in this damn stock, in fact your Option Buying Power is now negative. Well, there goes the idea of "waiting it out"
Fuck. Fuck. Fuck. Fuck. Four fucks. It is at $98.50- down $1.70, and you are now down $850 on the trade. Maybe you should just cut it, but it is so close to support, I might as well wait it out.
Yes! It bounced back up! $99.25. Getting closer. Market going up too....this is great, I've been saved!
It hits $100.20 - your entry. You exit. Break-Even.
Verdict: You. Fucked. Up.
In this scenario, your thesis was finally starting to work and the stock was just about to do exactly what you thought it would and you.....exited. You got so freaked out by the prospect of losing and did not want to have the position go back into the red that you took the scratch. Going through your mind is one thing - "If this stock drops again and I could have gotten out at break-even I will be beside myself with murderous rage!" (perhaps not that severe, but you get the point).
You no longer trusted the trade. It already caused you emotional pain and now you wanted out of the relationship.
In the fucked-up heads of traders, the position betrayed your trust, it went down when you thought it was going to go up, it made you anxious and now you're supposed to just carry on like nothing happened?? No fucking way. Gone. FAFO you lost out...because you lost.... E!
But just like in so many of your real life relationships, if you look back you will realize FAFO did nothing wrong, it acted how it is supposed to act. The stock pullback back with some profit taking, went down to test support, and then bounced right back up ready to go, but it was too late, you were gone.
At the end of the day FAFO was at $102.17, and enjoying life with someone else.
Example 2: Gotta have Hope!
You short GTFO at $43.65. The stock has fallen below all three major MA's on the daily chart. It gapped down today (as did the entire sectoindustry), and broke below daily compression. Volume is good, and the stock is weak to SPY, and on top of that SPY is dropping faster than your bank balance. Another winning choice. Madmartigan, you ARE great!
But then Fed speaker Fucktwit says, "This feels like a good time for a pause in the hikes so we can assess any lag impacts on the economy". Well, the market certainly liked that! SPY goes up like a rocket and since GFTO is in the Tech sector, it pops as well. Within two candles the stock is at $44.30. You are down .65, but you bought 1,000 shares (because you are a greedy motherfucker), so you are down $650.
However, GTFO still hasn't broken it's Resistance from a downward sloping Algo line at $45.10, nor has it breached the SMA200 which is at $45.60. I mean you were smart, super smart even! You made sure this short not only ticked off every box, but that there were multiple levels of Resistance in place.
Fuck. Fuck. Fuck. Fuck. Four Fucks again. GTFO just smashed through that Algo line and threw its hands in the air like it just didn't care. That little bastard is now at $45.30, You are now down, $1.65. That's $1,650. Think about what you could have done with that money, You could have gotten your kid that Playstation 5 with like 10 games and still had money left over. Think about how happy your child would have been. And now you have lost that money. It's gone. Depressing isn't? All because Fed Fucktwit decided to start shit. Makes you want to pull a Will Smith and smack the shit of out him, saying, "Keep rate hikes out of your damn mouth!"
Well, you can't close it now, you just can't - if you do, that money is lost and there's no Playstation (that you weren't going to buy anyway). So now you have to hope the SMA holds.
Shit. Market just closed. I need to wait until tomorrow.
Yeah. Bad fucking idea. The next day tech is leading the way and GTFO gaps up to $46.25. You are now down $2.60, or $2,600. Fuck the Playstation, you could have gone on a family trip. You could have used the money to fix shit around the house. You could have bought an awesome new TV, or a new laptop. Now you are really depressed and you close the trade.
Verdict: You. Fucked. Up. Again.
You held an underwater short that was heating up with the entire sector on a News-based bounce....overnight?? What the hell is wrong with you?!?! No. No. No. No.
Fine, the first bounce up wasn't your fault. Fed Fucktwit screwed it up for everyone that was short Tech. You can't predict that. But the reason you held is because you had a position so fucking large that you could not stomach the idea of taking the loss.
You held it because at least then there is....hope. Hope that tomorrow will restore sanity to the market and GTFO will resume its downward spiral.
If this was 300 shares you know you would have closed it. A loss of $495 isn't fun, but you can stand it. You just could not take the idea of losing that much money when there is a chance that you can still somehow get out unscathed.
All of that analysis, all of your strategy, was reduced to - hope.
Let's please stop that shit? Ok?
Example 3: Never Went Broke Taking A Profit
Dayummmm GFY is looking tight! I mean, earnings were fit as shit, and GFY glammed up! Going from $120.35 to $134.20 overnight! Right through all Resistance levels, and now the fucker is at an all-time high. That's right. Ain't nobody holding bags above this price. Volume is strong. Market is strong. GFY is hella strong. You're gonna shoot your shot. Bam - Long GFY at $134.20 .
And sure, you only have $27,000 in the account, but you have $108,000 in buying power baby! Go big or go home right? (although, you're already home most likely....just sayin) 750 Shares!
Aight...it consolidating. Totes fine. Let it do its thing. It wants to hang between $133.90 and $134.30 that's fine with you. As long as it kicks those candles and pops soon.
It does! That's what I'm talking about! Boo-ya! $135.20. Exit. Out. Boy, Bye. $1 Profit. $750 in my pocket (or in your account and we don't think about the fact it will never make its way to your pocket).
"Nice trade" says everyone. You beam with pride. Hell yeah it was a nice trade.
Verdict: You. Dumb. Shit.
Here you have a stock that is clearly bullish off earnings. Hitting an all-time high, which is statistically where stocks are most likely to continue to run up. Breaks out of consolidation and pops up on a strong market. Literally everything you want that stock to do.
Do you add to the trade? You still have some buying power left, you could even supplement it will Call Options. Nah...you don't even think about that.
Do you just let it ride, and wait until it seems like there is actually Resistance? Nah....you briefly think about it, but why throw away a nice $750 win?
This is exactly where you hold on to the stock. It is literally the best possible scenario for that trade.
You don't see any of that because your mindset is still - "You won and managed to take money out of the market", you still see that as beating the odds. You didn't lose. It is like you see the market as a casino and cashing in winnings is beating the house.
What you are not realizing is that "winning" should be the norm, it is the expectation when you trade. You're not "getting away with something" when you make a profit. Trading is not about "take the money and run".
Are there situations where you should quickly take profit? Of course there is, but your mindset cannot differentiate between them. There is a difference between taking a profit on a trade in a choppy market with a stock that has some Relative Strength, and going long on a stock that is at an all-time high, breaking compression, and coming off earnings.
It is not only learning the difference, but also realizing that, yes, you should be up that $1 and not only that....you should be looking for a lot more!
Stop taking profit too damn fast!
Best, H.S.
submitted by HSeldon2020 to RealDayTrading [link] [comments]

2023.03.24 23:43 myjy Did he have a leg to stand on legally if I withheld deposit?

High Level Backstory: - Negotiated on vehicle price and agreed amount with my friend who put up the ad on CarSales - Buyer paid 10% deposit and 30% of agreed price - Went to get RWC for $200 - Buyer backed out of sale and threatened to sue if I withhold deposit - I refunded both 10% and 30% payment because I did not want to deal with this further, and reckon car would sell within a month - After refund, buyer mentioned he would pay for the RWC if car did not sell within a month
Buyer’s reasons: - Vehicle belonged to wife, not “me”, my friend sold it to buyer as “mine” (wife called buyer before either payments to assure she wants the vehicle sold) - I was not upfront that vehicle came with 1 key fob, and other key fob is on the way from dealership (after the 2 payments) - I mentioned “vehicle will be handed over with RWC after full payment received in bank” (buyer wanted to pay balance of 60% via bank cheque and walk away with vehicle) - I was slow in providing deposit receipt (I returned it with changes the night after receiving money in bank, NOT when buyer texted me that payment was made, as receipt mentions I received both 10% and 30% payments in full, the payment took 24 hours to clear) - I modified deposit receipt sent by buyer, wife sent buyer modified copy, via her email with typed name on adobe PDF (said we were not serious because wife did not sign with signature as per driver’s license)
Deposit receipt change request: - Buyer sends deposit receipt requesting to sign “full payment will be made upon collection of the above vehicle, which is sold with a R.W.C to the date of this receipt (R.W.C can only be provided once the deposit is received.)” - I requested for change to “Vehicle will be available for collection after full payment is recieved in seller's bank, along with RWC”
Additional reasons from buyer: - Could be hiding additional defects as buyer feels we have acted in a deceitful manner (Car has less than 100KM) - Mentioned it was a large transaction and was not happy with overall actions
submitted by myjy to AusLegal [link] [comments]

2023.03.24 23:42 thawingSumTendies Tangerine Bank Referral Reddit - $50 Bonus for Signing Up, Orange Key: 54007812S1 🇨🇦 :D

For Canadians only 🇨🇦🍁
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Enter Orange Key: 54007812S1
submitted by thawingSumTendies to MoneyMaking [link] [comments]