Transaction coordinator salary
Defending the Draft 2023: Los Angeles Chargers
2023.06.06 04:57 MaIorbas Defending the Draft 2023: Los Angeles Chargers
Preface: There’s really no way to look back at the Chargers’ 2022 season without starting at the end. The team blew a 27-0 lead to the Jaguars in the wild card round in what can only be described as the peak of decades of cruelty by the football gods directed at the Chargers. In a year that began with Super Bowl aspirations thanks to an extremely talented on-paper roster, and included a regular season of injury after injury after injury (Justin Herbert, Rashawn Slater, Keenan Allen, Mike Williams, etc.), the finale could not have been more crushing. Criticism and ridicule has rained down on head coach Brandon Staley and offensive coordinator Joe Lombardi, and the latter was promptly fired at the end of the season to the rejoicing of fans everywhere.
But now we begin, again. The Super Bowl hopes are very much alive. The roster saw very few changes in free agency as the front office and coaching staff clearly believe the failure of the 2022 season was generally not an issue with the assembled players. But there is a much higher sense of urgency this year, and it’s not an exaggeration to say the team is going “all in” on the final cheap year of Justin Herbert’s rookie deal. Contracts have been structured in a way that will force significant cuts after the 2023 season just to get the team to salary cap compliance. This year may be do-or-die for both Tom Telesco and Brandon Staley.
Five starters on this list: Feiler, Tranquill, Callahan, Carter, and Adderley. Letting Drue Tranquill leave is by far the most controversial decision here, especially since he ended up going to the Chiefs. He played very well last year, but seems like the idea here is that he was a factor in the defense’s struggle against the run. Feiler was a disaster last season after a great 2021, and Jamaree Salyer should be an immediate upgrade. Callahan is still a free agent and a reunion is not out of the question. Van Noy was great as a fill-in when Bosa was injured, but the team wants to get younger at the position. Carter was a quiet signing who outperformed his contract and provided much needed depth but again, too old. Adderley was benched in the season finale and then retired. The rest were backups and rotational players.
Additions: LB Eric Kendricks, DL Nick Williams
That’s it, that’s the list. Eric Kendricks steps in as the starter next to Kenneth Murray who he can hopefully help mentor into being a good linebacker. And theoretically, he will be an upgrade in run defense over Drue Tranquill. Williams was signed after the draft as insurance for the injured Austin Johnson and Otito Ogbonnia. He may not make the team. The Chargers used most of the rest of their cap space re-signing free agents like Trey Pipkins, Morgan Fox, and Donald Parham. They still have about $12.5M to work with, pending the upcoming Justin Herbert mega-deal.
EDGE: Similar to WR, the starting duo of Bosa and Mack is elite but they are expensive and getting older. The depth behind them is just Chris Rumph.
TE: Gerald Everett is solid but on the last year of his deal. Donald Parham has potential but can’t stay healthy. Tre’ McKitty is a blocking TE who isn’t a very good blocker.
CB: JC Jackson is an enormous question mark, both from a health and performance standpoint. Michael Davis is a free agent after 2023. Ja’Sir Taylor is penciled in as the starting slot corner after very limited playing time last year.
OL: This is the strongest starting five the Chargers have had in a decade but the depth behind them both inside and out is weak.
LB: Eric Kendricks and Kenneth Murray will start, but Murray is auditioning to be on the team next year and Kendricks is old. The depth behind them is just Nick Niemann and Amen Ogbongbemiga.
S: JT Woods was a 2022 3rd round pick but barely played in 2022. Alohi Gilman stepped up when needed, but relying on him to start is risky.
RB: Austin Ekeler requested a trade, and even though it looked very unlikely to happen, the team needs to think about life after him in 2024. Neither Josh Kelley or Isaiah Spiller have shown they can handle a full workload.
KPR: With Deandre Carter’s departure, the team has no one with real return experience.
In hindsight, this pick should have been more obvious. The Chargers have been very strict about their size thresholds for wide receivers over the years, and despite countless debates about Johnston vs Zay Flowers vs Jordan Addison, the big guy from TCU won out. This was an immediately controversial pick among fans as many believed the speedy Flowers or the crafty Addison would be more suited to filling the biggest need in this position group: speed and separation. But while Johnston may not be your traditional deep threat, his game speed and GPS tracking data suggest a more dynamic skillset than he showed at the combine. And one area where he does beat those two guys that was probably overlooked as a need: run after catch ability. Johnston was elite at that in college, and that looks to be his primary role for the Chargers. New OC Kellen Moore will use him like he did Ceedee Lamb in Dallas. And since he will start the year at number three on the depth chart at best, he won’t be under pressure to carry the offense as a rookie while he learns from the veterans in front of him.
2.54: Tuli Tuipulotu - EDGE, USC
After WR, the Chargers’ clear next biggest need was at EDGE and Tuli was the consensus best available. The team has also shown a penchant for drafting local kids from USC and UCLA over the last few years. He was extremely productive in his final season in college where he put up 13.5 sacks playing both on the edge and the interior. In the draft process, many people questioned if he would bulk up to be a full time DT or slim down to play the EDGE. It ended up being the latter as he weighed 266lbs at the combine. Tuli will provide valuable depth behind Bosa and Mack as a rookie, while also having the opportunity to play inside on passing downs like he did in college.
3.85: Daiyan Henley - LB, Washington State
The Chargers lost two linebackers to free agency: Drue Tranquill and Troy Reeder. Tranquill was the team’s best coverage linebacker, and Reeder was key depth while also being a core special teams player. Enter Daiyan Henley, who could fill both of those roles by himself. With Kenneth Murray likely off the team in 2024, Henley has the opportunity to earn a starting job over the course of the season. He is a recent convert to the linebacker position and there is still much room for growth. At the very least, he will be an immediate special teams contributor. Staley and Telesco both raved about his prowess in that phase of the game after picking him.
*4.125: Derius Davis - WR, TCU *
Another TCU receiver! This pick was definitely a surprise, as many people projected him to be a late day 3 pick. But the Chargers coaching staff said after the draft that they believed he was the best return man available, and that they wanted to draft a starter in the 4th round. Davis was indeed one of the best returners in the country at TCU, and also can add some juice on offense even if he ends up limited to a gadget role. Either way, here’s some killer speed for the Chargers offense.
5.156: Jordan McFadden - OL, Clemson
In the last few drafts, the Chargers have shown a lot of love for late round tackle-to-guard converts. Jamaree Salyer was the steal of the 2022 draft in the sixth round. McFadden played both tackle and guard in college on both sides of the line, and some scouts believe he may even be able to play some center. For the Chargers he will compete with Brenden Jaimes for the swing guard role, and maybe even push Foster Sarrell to be the swing tackle. Key depth for a position group that needed it.
6.200: Scott Matlock - DL, Boise State
Matlock is a solid run defender with some pass rush upside who will get to learn behind a strong trio of veteran starters. And with Austin Johnson and Otito Ogbonnia both rehabbing major knee injuries, he may end up seeing some decent playing time this season. I’m very intrigued by his upside, and Staley has a good track record of getting good play from late round DTs.
7.239: Max Duggan - QB, TCU
The Los Angeles Horned Frogs are ready to take the NFL by storm in 2023 (hopefully to face the Philadelphia Bulldogs in a championship rematch). The Chargers historically have carried three QBs on the active roster, and with only two signed going into the draft, it seemed like a strong possibility they would pick one. So here’s Max Duggan, who despite leading TCU to the Natty was generally not loved by scouts. He has a ton of athletic ability but the finer points of playing QB need to be worked on. There is absolutely potential to be a long term backup to Justin Herbert though, if he can beat out Easton Stick.
Notable UDFAs
Jerrod Clark - DL, Coastal Carolina: Most people expected Clark to be drafted, and the Chargers gave him a lot of money for a UDFA. I would not be surprised at all to see him make the roster as an additional run defender.
Cam Jones - CB, Ohio State: Another guy who could have been drafted, there are depth spots at corner up for grabs and Jones is an intriguing option.
Tiawan Mullen - CB, Indiana: Mullen used to have a pretty high draft stock but fell hard in the process. The Chargers are thin at slot corner and he could earn a role.
Mikel Jones - LB, Syracuse: There’s a wide open competition for ILB5 that will most likely be decided by special teams.
RB (5): Austin Ekeler, Joshua Kelley, Isaiah Spiller, Larry Rountree, Zander Horvath
WR (5): Keenan Allen, Mike Williams, Josh Palmer, Quentin Johnston, Derius Davis
TE (4): Gerald Everett, Donald Parham, Tre’ McKitty, Stone Smartt
OT (3): Rashawn Slater, Trey Pipkins, Foster Sarrell
OG (4): Zion Johnson, Jamaree Salyer, Brenden Jaimes, Jordan McFadden
C (2): Corey Linsley, Will Clapp
EDGE (4): Joey Bosa, Khalil Mack, Tuli Tuipulotu, Chris Rumph
IDL (6): Sebastian Joseph-Day, Austin Johnson, Morgan Fox, Otito Ogbonnia, Scott Matlock, Jerrod Clark
LB (5): Kenneth Murray, Eric Kendricks, Daiyan Henley, Nick Niemann, Amen Ogbongbemiga
CB (5): Michael Davis, Asante Samuel Jr., JC Jackson, Ja’Sir Taylor, Deane Leonard
S (4): Derwin James, Alohi Gilman, JT Woods, Mark Webb
K (1): Cameron Dicker
P (1): JK Scott
LS (1): Josh Harris
submitted by MaIorbas to NFL_Draft [link] [comments]
But now we begin, again. The Super Bowl hopes are very much alive. The roster saw very few changes in free agency as the front office and coaching staff clearly believe the failure of the 2022 season was generally not an issue with the assembled players. But there is a much higher sense of urgency this year, and it’s not an exaggeration to say the team is going “all in” on the final cheap year of Justin Herbert’s rookie deal. Contracts have been structured in a way that will force significant cuts after the 2023 season just to get the team to salary cap compliance. This year may be do-or-die for both Tom Telesco and Brandon Staley.
Free Agency Recap
Losses: G Matt Feiler, LB Drue Tranquill, EDGE Kyle Van Noy, QB Chase Daniel, CB Bryce Callahan, WR Deandre Carter, S Nasir Adderley, LB Troy Reeder, DL Breiden Fehoko, WR Michael Bandy, OT Storm NortonFive starters on this list: Feiler, Tranquill, Callahan, Carter, and Adderley. Letting Drue Tranquill leave is by far the most controversial decision here, especially since he ended up going to the Chiefs. He played very well last year, but seems like the idea here is that he was a factor in the defense’s struggle against the run. Feiler was a disaster last season after a great 2021, and Jamaree Salyer should be an immediate upgrade. Callahan is still a free agent and a reunion is not out of the question. Van Noy was great as a fill-in when Bosa was injured, but the team wants to get younger at the position. Carter was a quiet signing who outperformed his contract and provided much needed depth but again, too old. Adderley was benched in the season finale and then retired. The rest were backups and rotational players.
Additions: LB Eric Kendricks, DL Nick Williams
That’s it, that’s the list. Eric Kendricks steps in as the starter next to Kenneth Murray who he can hopefully help mentor into being a good linebacker. And theoretically, he will be an upgrade in run defense over Drue Tranquill. Williams was signed after the draft as insurance for the injured Austin Johnson and Otito Ogbonnia. He may not make the team. The Chargers used most of the rest of their cap space re-signing free agents like Trey Pipkins, Morgan Fox, and Donald Parham. They still have about $12.5M to work with, pending the upcoming Justin Herbert mega-deal.
Draft Needs
WR: The trio of Keenan Allen, Mike Williams, and Josh Palmer is one of the best in the league. However, with their contracts, there’s really no chance Allen and Williams will be Chargers in 2024. This group also lacks a speed element.EDGE: Similar to WR, the starting duo of Bosa and Mack is elite but they are expensive and getting older. The depth behind them is just Chris Rumph.
TE: Gerald Everett is solid but on the last year of his deal. Donald Parham has potential but can’t stay healthy. Tre’ McKitty is a blocking TE who isn’t a very good blocker.
CB: JC Jackson is an enormous question mark, both from a health and performance standpoint. Michael Davis is a free agent after 2023. Ja’Sir Taylor is penciled in as the starting slot corner after very limited playing time last year.
OL: This is the strongest starting five the Chargers have had in a decade but the depth behind them both inside and out is weak.
LB: Eric Kendricks and Kenneth Murray will start, but Murray is auditioning to be on the team next year and Kendricks is old. The depth behind them is just Nick Niemann and Amen Ogbongbemiga.
S: JT Woods was a 2022 3rd round pick but barely played in 2022. Alohi Gilman stepped up when needed, but relying on him to start is risky.
RB: Austin Ekeler requested a trade, and even though it looked very unlikely to happen, the team needs to think about life after him in 2024. Neither Josh Kelley or Isaiah Spiller have shown they can handle a full workload.
KPR: With Deandre Carter’s departure, the team has no one with real return experience.
The Draft
1.21: Quentin Johnston - WR, TCUIn hindsight, this pick should have been more obvious. The Chargers have been very strict about their size thresholds for wide receivers over the years, and despite countless debates about Johnston vs Zay Flowers vs Jordan Addison, the big guy from TCU won out. This was an immediately controversial pick among fans as many believed the speedy Flowers or the crafty Addison would be more suited to filling the biggest need in this position group: speed and separation. But while Johnston may not be your traditional deep threat, his game speed and GPS tracking data suggest a more dynamic skillset than he showed at the combine. And one area where he does beat those two guys that was probably overlooked as a need: run after catch ability. Johnston was elite at that in college, and that looks to be his primary role for the Chargers. New OC Kellen Moore will use him like he did Ceedee Lamb in Dallas. And since he will start the year at number three on the depth chart at best, he won’t be under pressure to carry the offense as a rookie while he learns from the veterans in front of him.
2.54: Tuli Tuipulotu - EDGE, USC
After WR, the Chargers’ clear next biggest need was at EDGE and Tuli was the consensus best available. The team has also shown a penchant for drafting local kids from USC and UCLA over the last few years. He was extremely productive in his final season in college where he put up 13.5 sacks playing both on the edge and the interior. In the draft process, many people questioned if he would bulk up to be a full time DT or slim down to play the EDGE. It ended up being the latter as he weighed 266lbs at the combine. Tuli will provide valuable depth behind Bosa and Mack as a rookie, while also having the opportunity to play inside on passing downs like he did in college.
3.85: Daiyan Henley - LB, Washington State
The Chargers lost two linebackers to free agency: Drue Tranquill and Troy Reeder. Tranquill was the team’s best coverage linebacker, and Reeder was key depth while also being a core special teams player. Enter Daiyan Henley, who could fill both of those roles by himself. With Kenneth Murray likely off the team in 2024, Henley has the opportunity to earn a starting job over the course of the season. He is a recent convert to the linebacker position and there is still much room for growth. At the very least, he will be an immediate special teams contributor. Staley and Telesco both raved about his prowess in that phase of the game after picking him.
*4.125: Derius Davis - WR, TCU *
Another TCU receiver! This pick was definitely a surprise, as many people projected him to be a late day 3 pick. But the Chargers coaching staff said after the draft that they believed he was the best return man available, and that they wanted to draft a starter in the 4th round. Davis was indeed one of the best returners in the country at TCU, and also can add some juice on offense even if he ends up limited to a gadget role. Either way, here’s some killer speed for the Chargers offense.
5.156: Jordan McFadden - OL, Clemson
In the last few drafts, the Chargers have shown a lot of love for late round tackle-to-guard converts. Jamaree Salyer was the steal of the 2022 draft in the sixth round. McFadden played both tackle and guard in college on both sides of the line, and some scouts believe he may even be able to play some center. For the Chargers he will compete with Brenden Jaimes for the swing guard role, and maybe even push Foster Sarrell to be the swing tackle. Key depth for a position group that needed it.
6.200: Scott Matlock - DL, Boise State
Matlock is a solid run defender with some pass rush upside who will get to learn behind a strong trio of veteran starters. And with Austin Johnson and Otito Ogbonnia both rehabbing major knee injuries, he may end up seeing some decent playing time this season. I’m very intrigued by his upside, and Staley has a good track record of getting good play from late round DTs.
7.239: Max Duggan - QB, TCU
The Los Angeles Horned Frogs are ready to take the NFL by storm in 2023 (hopefully to face the Philadelphia Bulldogs in a championship rematch). The Chargers historically have carried three QBs on the active roster, and with only two signed going into the draft, it seemed like a strong possibility they would pick one. So here’s Max Duggan, who despite leading TCU to the Natty was generally not loved by scouts. He has a ton of athletic ability but the finer points of playing QB need to be worked on. There is absolutely potential to be a long term backup to Justin Herbert though, if he can beat out Easton Stick.
Notable UDFAs
Jerrod Clark - DL, Coastal Carolina: Most people expected Clark to be drafted, and the Chargers gave him a lot of money for a UDFA. I would not be surprised at all to see him make the roster as an additional run defender.
Cam Jones - CB, Ohio State: Another guy who could have been drafted, there are depth spots at corner up for grabs and Jones is an intriguing option.
Tiawan Mullen - CB, Indiana: Mullen used to have a pretty high draft stock but fell hard in the process. The Chargers are thin at slot corner and he could earn a role.
Mikel Jones - LB, Syracuse: There’s a wide open competition for ILB5 that will most likely be decided by special teams.
Roster Prediction
QB (3): Justin Herbert, Easton Stick, Max DugganRB (5): Austin Ekeler, Joshua Kelley, Isaiah Spiller, Larry Rountree, Zander Horvath
WR (5): Keenan Allen, Mike Williams, Josh Palmer, Quentin Johnston, Derius Davis
TE (4): Gerald Everett, Donald Parham, Tre’ McKitty, Stone Smartt
OT (3): Rashawn Slater, Trey Pipkins, Foster Sarrell
OG (4): Zion Johnson, Jamaree Salyer, Brenden Jaimes, Jordan McFadden
C (2): Corey Linsley, Will Clapp
EDGE (4): Joey Bosa, Khalil Mack, Tuli Tuipulotu, Chris Rumph
IDL (6): Sebastian Joseph-Day, Austin Johnson, Morgan Fox, Otito Ogbonnia, Scott Matlock, Jerrod Clark
LB (5): Kenneth Murray, Eric Kendricks, Daiyan Henley, Nick Niemann, Amen Ogbongbemiga
CB (5): Michael Davis, Asante Samuel Jr., JC Jackson, Ja’Sir Taylor, Deane Leonard
S (4): Derwin James, Alohi Gilman, JT Woods, Mark Webb
K (1): Cameron Dicker
P (1): JK Scott
LS (1): Josh Harris
Conclusion
Super Bowl or bust.2023.06.06 04:11 Server-side_Gabriel How do you handle multicurrency expending on YNAB?
I know I have seen similar posts before but I can't find any recent ones, so sorry if this is a repeat or I'm just bad at searching.
The situation is a bit complex.
I currently live in Latin America and I earn a salary in USD so I kinda do this already to an extend, however, where I live you can pay pretty much anything in USD, so most of the time I don't bother and when I do expend something in my country's currency it's usually small enough that I just handwave it and adjust the budget afterwards when I'm doing my weekly reconciliation.
But now it's about to become a lot more complex for me, in a few weeks I'm moving to Europe (HUGE YNAB win btw, this wouldn't have been possible without YNAB) and I have been estressing over how I'm going to deal with my budget now so it is at least somewhat accurate. For at least the first month or 2 I will continue to use my US bank account to recieve my salary while I finish up paperwork. I also have to option to move my salary payments to my wise account (or maybe N26) which does multicurrency expending very easily and at low cost but I still have no idea how I should budget.
Should I budget in euros and correct the account balance according to the exchange rate everytime I reconciliate, should I keep my USD budget and just wait for the transactions to hit the account to get the actual amount?
Any advise would be greatly appreciated.
On a side note, any recommendations for good banks in Spain that play nicely with YNAB would be awesome.
submitted by Server-side_Gabriel to ynab [link] [comments]
The situation is a bit complex.
I currently live in Latin America and I earn a salary in USD so I kinda do this already to an extend, however, where I live you can pay pretty much anything in USD, so most of the time I don't bother and when I do expend something in my country's currency it's usually small enough that I just handwave it and adjust the budget afterwards when I'm doing my weekly reconciliation.
But now it's about to become a lot more complex for me, in a few weeks I'm moving to Europe (HUGE YNAB win btw, this wouldn't have been possible without YNAB) and I have been estressing over how I'm going to deal with my budget now so it is at least somewhat accurate. For at least the first month or 2 I will continue to use my US bank account to recieve my salary while I finish up paperwork. I also have to option to move my salary payments to my wise account (or maybe N26) which does multicurrency expending very easily and at low cost but I still have no idea how I should budget.
Should I budget in euros and correct the account balance according to the exchange rate everytime I reconciliate, should I keep my USD budget and just wait for the transactions to hit the account to get the actual amount?
Any advise would be greatly appreciated.
On a side note, any recommendations for good banks in Spain that play nicely with YNAB would be awesome.
2023.06.06 04:06 Aggressive-Ad9478 Roast My Resume 🥺
 | I’m currently in school working on a BBA In Accounting with hopes of getting a CPA (not listed on my resume), but also I’m applying for AP/AR, Staff Account, Accounting Assistant positions. Open to any advice 💗💗💗 submitted by Aggressive-Ad9478 to Accounting [link] [comments] |
2023.06.06 03:17 jossydelrosal Awaiting on Ex-Employer's appeal
On January 2022 I sued my previous employer (a well known international language center) for illegal salary retention. This was a practice that had been going on for almost 2 years, even going farther back than the pandemic.
I decided I had had enough, so I followed the resources my country has for such cases. Firstly, we were supposed to go to a conciliation center, where we could verbally reach an agreement with a public servant as a witness. It was supposed to go for 3 sessions, where we could negotiate terms of payment. Needless to say, my then employer only showed up for the first session, and missed the others, never agreeing to anything. It was then possible to properly sue, and take the issue to court. After the proper procedures, it was time to show the "proof" each party had to present.
I showed my bank statements for the whole previous year, in which my employer would delay payments for as long as 2 months each. I also showed a letter of recommendation previously signed by my employer which stated my antiquity (6 years). This letter was rejected by the judge, since it was handed in by the second session, but there was no way to fight it.
My employer used more "twisted" tactics, showing a false letter of resignation, as well as a false receipt stating I had received my final payment and was thus not owed anything.
I tried to ask for an expert to analyze the documents and prove they were fake (my signature was different and you could see a cut where the date of resignation was on the letter). But alas, corruption struck again, and the "expert" handed in a 6 page report saying the documents were legit. (Note that such reports would normally be about 30-40 pages long)
So I had pretty much lost the case as far as I could tell. Just as I was thinking about how to appeal, the verdict was published. I had won the case. I was not going to get paid my owed amount but instead the equivalent of a whole year of delayed payments.
The documents presented by my employer, while falsely stating I had received my owed payments, were dated with the time I left the company, and were for an amount that had been delayed for one whole month. So these suckers confessed to having delayed my payments by mistake. The judge also took into account my bank statements, which showed that the issue was ongoing for a long time.
Sadly, I cannot sing victory yet, since I was just told by my lawyer that my previous employer is planning to appeal the verdict. This would mean that the case will be re-evaluated by a higher court and everything could go downhill from there. But I'm optimistic. The expert evaluation was done by a government worker, who was possibly bribed by my previous employer, sadly I have little money to hire an independent expert to redo the analysis. In any case, the case is still under works, so... Yeah... Just wanted to vent.
tl;dr: My previous emplyer didn't pay on time. I sued. Even though they faked info I won the case but they might appeal the verdict and I have no money for further transactions.
submitted by jossydelrosal to antiwork [link] [comments]
I decided I had had enough, so I followed the resources my country has for such cases. Firstly, we were supposed to go to a conciliation center, where we could verbally reach an agreement with a public servant as a witness. It was supposed to go for 3 sessions, where we could negotiate terms of payment. Needless to say, my then employer only showed up for the first session, and missed the others, never agreeing to anything. It was then possible to properly sue, and take the issue to court. After the proper procedures, it was time to show the "proof" each party had to present.
I showed my bank statements for the whole previous year, in which my employer would delay payments for as long as 2 months each. I also showed a letter of recommendation previously signed by my employer which stated my antiquity (6 years). This letter was rejected by the judge, since it was handed in by the second session, but there was no way to fight it.
My employer used more "twisted" tactics, showing a false letter of resignation, as well as a false receipt stating I had received my final payment and was thus not owed anything.
I tried to ask for an expert to analyze the documents and prove they were fake (my signature was different and you could see a cut where the date of resignation was on the letter). But alas, corruption struck again, and the "expert" handed in a 6 page report saying the documents were legit. (Note that such reports would normally be about 30-40 pages long)
So I had pretty much lost the case as far as I could tell. Just as I was thinking about how to appeal, the verdict was published. I had won the case. I was not going to get paid my owed amount but instead the equivalent of a whole year of delayed payments.
The documents presented by my employer, while falsely stating I had received my owed payments, were dated with the time I left the company, and were for an amount that had been delayed for one whole month. So these suckers confessed to having delayed my payments by mistake. The judge also took into account my bank statements, which showed that the issue was ongoing for a long time.
Sadly, I cannot sing victory yet, since I was just told by my lawyer that my previous employer is planning to appeal the verdict. This would mean that the case will be re-evaluated by a higher court and everything could go downhill from there. But I'm optimistic. The expert evaluation was done by a government worker, who was possibly bribed by my previous employer, sadly I have little money to hire an independent expert to redo the analysis. In any case, the case is still under works, so... Yeah... Just wanted to vent.
tl;dr: My previous emplyer didn't pay on time. I sued. Even though they faked info I won the case but they might appeal the verdict and I have no money for further transactions.
2023.06.06 00:54 Mythic1296 [IWantOut] 27M USA -> Germany, UK, Europe
Hi, American here,
I like the US but I'm looking to get a change of scenery. I'd ideally like to move to Germany but I'm also open to England(I lived in London for a few years as a kid and enjoyed it), and some other European or even Asian suggestions. The only language I'm fluent in is English, currently working on Spanish, once I get to a decent level I want to start learning German. I have 3-4 years of marketing experience, and I currently work remotely as a marketing coordinator for a US company where I am making $63,000/yr. not sure if I can just live in another country while working remotely, the information I've seen online has been a bit confusing, if not, how would I go about finding a job? What can i expect in terms of salary and job titles?
Appreciate any suggestions, tips, or advice!
submitted by Mythic1296 to IWantOut [link] [comments]
I like the US but I'm looking to get a change of scenery. I'd ideally like to move to Germany but I'm also open to England(I lived in London for a few years as a kid and enjoyed it), and some other European or even Asian suggestions. The only language I'm fluent in is English, currently working on Spanish, once I get to a decent level I want to start learning German. I have 3-4 years of marketing experience, and I currently work remotely as a marketing coordinator for a US company where I am making $63,000/yr. not sure if I can just live in another country while working remotely, the information I've seen online has been a bit confusing, if not, how would I go about finding a job? What can i expect in terms of salary and job titles?
Appreciate any suggestions, tips, or advice!
2023.06.05 23:33 ImaginerNik Worth trading this prospect for this SP?
 | submitted by ImaginerNik to OOTP [link] [comments] |
2023.06.05 21:55 thrownjunk Hit 2M! 36MF, VHCOL, non-tech/finance
So this was our original FI goal. Now we really like our jobs, so no retirement, but it feel very anti-climatic. Oh well.
Graph of 'journey': https://imgur.com/a/kr4I7dP
lots of gap and uneven accounting, but general trend is right (spreadsheet had some fuckups in 2022, my bad). Mostly vanguard ETFs and mutual funds. 350k is home equity (after a 10% haircut for transaction costs).
Milestones:
submitted by thrownjunk to financialindependence [link] [comments]
Graph of 'journey': https://imgur.com/a/kr4I7dP
lots of gap and uneven accounting, but general trend is right (spreadsheet had some fuckups in 2022, my bad). Mostly vanguard ETFs and mutual funds. 350k is home equity (after a 10% haircut for transaction costs).
Milestones:
- graduate 2009
- re-enter school in 2011 (firm was nice enough to give me my yearly bonus when i quit...)
- married 2015
- graduate again 2017. All gains prior to this are loss harvested when in grad school or are in Roth IRA/501ks (about 500k in total).
- house 2019
- kid 2021
2023.06.05 21:47 xhakab Budget for new grad with lifestyle creep?
Hi! F22 here. Graduated college last year, moved back home, and have been a bit out of control with spending. I read the wiki, looked at what I’ve spent in the first half of the year, and tried to put a budget together for the rest of year.
My salary is ~$89,000 and I’ve been taking home roughly $5,500 monthly after taxes. I started working towards the end of last year. I have $17k in savings.
Monthly expenses with new budget and a few explanations after:
Rent: I live at home, but pay my family $400 monthly for my bedroom.
Car: The car I’m driving now is technically not mine. It’s in my family’s name and the understanding is that it’s “mine” as long as I pay the monthly payments and eventually give them more on top.
It’s a 2015 4Runner with 100k miles. It’s completely decked out and worth $23-25k. My family has a 2.3% loan on it with $1,800 left. Once it’s paid off (so in 3-4 months), they want me to give them an additional $7,500 to put it under my name. They’re “sort of” giving me the car, they just want what they paid as a down payment back. I can take out another loan, or see if they’re willing to take payments or take $3,750 this year and the other half next year. I’m not sure what to do here and would appreciate advice. I am fine paying them this for the car as I plan to drive it until the wheels fall off and I think getting something more economical (a Camry or Accord with better gas mileage) will cost me more.
Food: The $375 on eating out is partially me eating out a few times a week. It’s also a mix of me paying weekly to take my siblings out to eat.
Clothes/Personal Care: I tend to go overboard here. I work in a somewhat formal setting and didn’t have a decent wardrobe initially. I got several expensive silk blouses, wool pants, expensive shoes, backpack, and suitcase. I get my clothes tailored and spend here and there on more expensive haircuts, getting my nails done before presentations, etc. There is definitely room for me to cut back here.
Other Comments: I pulled all of my credit card transactions to make this monthly breakdown. It doesn’t completely add up to what I’ve taken home. I’ve had a few one time expenses. My uncle passed away earlier this year and since then I’ve spent $4,000 to support the funeral and my cousin with school clothes, sports gear, etc. I also spent $1,200 to replace carpet in two rooms of my family’s house. Lastly, I’ve spent $2,250 on travel/two trips for myself.
My company matches 25% of the first 6% for 401k (I already opened and setup automatically deductions). It vests after 3 years. I also opened a Vanguard Roth IRA but haven’t put anything in yet.
Student Loans: I have $27,000 in federal student loans and my family has a $12,500 parent plus loan I'll pay. These are all on deferment until August 2023.
Future Goals: I feel overall pretty aimless in life right now. I want to feel more in control of my finances and have goals I'm working toward. I’ve always been interested in FIRE/early retirement. I am also interested in having a condo or my own property in the next few years, but live in a MCOL (but leaning toward HCOL nowadays) city and not sure how attainable it’ll be on my salary alone. I am interested in travel and would like to add in travel savings too. I also feel obligated to help my family when I can (especially my siblings and younger cousin who’s father passed away).
I am not sure how long I will plan to live at home and honestly sometimes can’t take it, but think if I play my cards right it can help set me up for success down the road. Any advice overall is SO SO appreciated, thank you in advance!
submitted by xhakab to budget [link] [comments]
My salary is ~$89,000 and I’ve been taking home roughly $5,500 monthly after taxes. I started working towards the end of last year. I have $17k in savings.
Monthly expenses with new budget and a few explanations after:
| Category | First Half 2023 | Second Half 2023 |
|---|---|---|
| Rent | $400 | $400 |
| Car | $540 | $540 |
| Car Insurance | $180 | $180 |
| Phone | $105 | $105 |
| Gas | $150 | $150 |
| Groceries | $200 | $400 |
| Fast Food/Restaurants/Coffee | $375 | $75 |
| Clothes | $380 | $150 |
| Nails/Haircut/Personal Care | $130 | $50 |
| Dry Cleaning/Tailor | $125 | $25 |
| Subscriptions (SiriusXM, Amazon) | $20 | $20 |
| Toll Road | $45 | $45 |
| Fun (Department Stores/Plants/Books) | $130 | $100 |
| 401K | $0 | $410 |
| Roth IRA | $0 | $500 |
| Total | $2780 | $3180 |
Car: The car I’m driving now is technically not mine. It’s in my family’s name and the understanding is that it’s “mine” as long as I pay the monthly payments and eventually give them more on top.
It’s a 2015 4Runner with 100k miles. It’s completely decked out and worth $23-25k. My family has a 2.3% loan on it with $1,800 left. Once it’s paid off (so in 3-4 months), they want me to give them an additional $7,500 to put it under my name. They’re “sort of” giving me the car, they just want what they paid as a down payment back. I can take out another loan, or see if they’re willing to take payments or take $3,750 this year and the other half next year. I’m not sure what to do here and would appreciate advice. I am fine paying them this for the car as I plan to drive it until the wheels fall off and I think getting something more economical (a Camry or Accord with better gas mileage) will cost me more.
Food: The $375 on eating out is partially me eating out a few times a week. It’s also a mix of me paying weekly to take my siblings out to eat.
Clothes/Personal Care: I tend to go overboard here. I work in a somewhat formal setting and didn’t have a decent wardrobe initially. I got several expensive silk blouses, wool pants, expensive shoes, backpack, and suitcase. I get my clothes tailored and spend here and there on more expensive haircuts, getting my nails done before presentations, etc. There is definitely room for me to cut back here.
Other Comments: I pulled all of my credit card transactions to make this monthly breakdown. It doesn’t completely add up to what I’ve taken home. I’ve had a few one time expenses. My uncle passed away earlier this year and since then I’ve spent $4,000 to support the funeral and my cousin with school clothes, sports gear, etc. I also spent $1,200 to replace carpet in two rooms of my family’s house. Lastly, I’ve spent $2,250 on travel/two trips for myself.
My company matches 25% of the first 6% for 401k (I already opened and setup automatically deductions). It vests after 3 years. I also opened a Vanguard Roth IRA but haven’t put anything in yet.
Student Loans: I have $27,000 in federal student loans and my family has a $12,500 parent plus loan I'll pay. These are all on deferment until August 2023.
| Amount | Interest | |
|---|---|---|
| Personal Federal | $5,640 | 5.05% |
| Personal Federal | $6,532 | 4.53% |
| Personal Federal | $7,500 | 2.75% |
| Personal Federal | $7,500 | 3.73% |
| Parent Plus | $12,500 | 6.28% |
I am not sure how long I will plan to live at home and honestly sometimes can’t take it, but think if I play my cards right it can help set me up for success down the road. Any advice overall is SO SO appreciated, thank you in advance!
2023.06.05 21:47 xhakab Budget for new grad with lifestyle creep?
Hi! F22 here. Graduated college last year, moved back home, and have been a bit out of control with spending. I read the wiki, looked at what I’ve spent in the first half of the year, and tried to put a budget together for the rest of year.
My salary is ~$89,000 and I’ve been taking home roughly $5,500 monthly after taxes. I started working towards the end of last year. I have $17k in savings.
Monthly expenses with new budget and a few explanations after:
Rent: I live at home, but pay my family $400 monthly for my bedroom.
Car: The car I’m driving now is technically not mine. It’s in my family’s name and the understanding is that it’s “mine” as long as I pay the monthly payments and eventually give them more on top.
It’s a 2015 4Runner with 100k miles. It’s completely decked out and worth $23-25k. My family has a 2.3% loan on it with $1,800 left. Once it’s paid off (so in 3-4 months), they want me to give them an additional $7,500 to put it under my name. They’re “sort of” giving me the car, they just want what they paid as a down payment back. I can take out another loan, or see if they’re willing to take payments or take $3,750 this year and the other half next year. I’m not sure what to do here and would appreciate advice. I am fine paying them this for the car as I plan to drive it until the wheels fall off and I think getting something more economical (a Camry or Accord with better gas mileage) will cost me more.
Food: The $375 on eating out is partially me eating out a few times a week. It’s also a mix of me paying weekly to take my siblings out to eat.
Clothes/Personal Care: I tend to go overboard here. I work in a somewhat formal setting and didn’t have a decent wardrobe initially. I got several expensive silk blouses, wool pants, expensive shoes, backpack, and suitcase. I get my clothes tailored and spend here and there on more expensive haircuts, getting my nails done before presentations, etc. There is definitely room for me to cut back here.
Other Comments: I pulled all of my credit card transactions to make this monthly breakdown. It doesn’t completely add up to what I’ve taken home. I’ve had a few one time expenses. My uncle passed away earlier this year and since then I’ve spent $4,000 to support the funeral and my cousin with school clothes, sports gear, etc. I also spent $1,200 to replace carpet in two rooms of my family’s house. Lastly, I’ve spent $2,250 on travel/two trips for myself.
My company matches 25% of the first 6% for 401k (I already opened and setup automatically deductions). It vests after 3 years. I also opened a Vanguard Roth IRA but haven’t put anything in yet.
Student Loans: I have $27,000 in federal student loans and my family has a $12,500 parent plus loan I'll pay. These are all on deferment until August 2023.
Future Goals: I feel overall pretty aimless in life right now. I want to feel more in control of my finances and have goals I'm working toward. I’ve always been interested in FIRE/early retirement. I am also interested in having a condo or my own property in the next few years, but live in a MCOL (but leaning toward HCOL nowadays) city and not sure how attainable it’ll be on my salary alone. I am interested in travel and would like to add in travel savings too. I also feel obligated to help my family when I can (especially my siblings and younger cousin who’s father passed away).
I am not sure how long I will plan to live at home and honestly sometimes can’t take it, but think if I play my cards right it can help set me up for success down the road. Any advice overall is SO SO appreciated, thank you in advance!
submitted by xhakab to Fire [link] [comments]
My salary is ~$89,000 and I’ve been taking home roughly $5,500 monthly after taxes. I started working towards the end of last year. I have $17k in savings.
Monthly expenses with new budget and a few explanations after:
| Category | First Half 2023 | Second Half 2023 |
|---|---|---|
| Rent | $400 | $400 |
| Car | $540 | $540 |
| Car Insurance | $180 | $180 |
| Phone | $105 | $105 |
| Gas | $150 | $150 |
| Groceries | $200 | $400 |
| Fast Food/Restaurants/Coffee | $375 | $75 |
| Clothes | $380 | $150 |
| Nails/Haircut/Personal Care | $130 | $50 |
| Dry Cleaning/Tailor | $125 | $25 |
| Subscriptions (SiriusXM, Amazon) | $20 | $20 |
| Toll Road | $45 | $45 |
| Fun (Department Stores/Plants/Books) | $130 | $100 |
| 401K | $0 | $410 |
| Roth IRA | $0 | $500 |
| Total | $2780 | $3180 |
Car: The car I’m driving now is technically not mine. It’s in my family’s name and the understanding is that it’s “mine” as long as I pay the monthly payments and eventually give them more on top.
It’s a 2015 4Runner with 100k miles. It’s completely decked out and worth $23-25k. My family has a 2.3% loan on it with $1,800 left. Once it’s paid off (so in 3-4 months), they want me to give them an additional $7,500 to put it under my name. They’re “sort of” giving me the car, they just want what they paid as a down payment back. I can take out another loan, or see if they’re willing to take payments or take $3,750 this year and the other half next year. I’m not sure what to do here and would appreciate advice. I am fine paying them this for the car as I plan to drive it until the wheels fall off and I think getting something more economical (a Camry or Accord with better gas mileage) will cost me more.
Food: The $375 on eating out is partially me eating out a few times a week. It’s also a mix of me paying weekly to take my siblings out to eat.
Clothes/Personal Care: I tend to go overboard here. I work in a somewhat formal setting and didn’t have a decent wardrobe initially. I got several expensive silk blouses, wool pants, expensive shoes, backpack, and suitcase. I get my clothes tailored and spend here and there on more expensive haircuts, getting my nails done before presentations, etc. There is definitely room for me to cut back here.
Other Comments: I pulled all of my credit card transactions to make this monthly breakdown. It doesn’t completely add up to what I’ve taken home. I’ve had a few one time expenses. My uncle passed away earlier this year and since then I’ve spent $4,000 to support the funeral and my cousin with school clothes, sports gear, etc. I also spent $1,200 to replace carpet in two rooms of my family’s house. Lastly, I’ve spent $2,250 on travel/two trips for myself.
My company matches 25% of the first 6% for 401k (I already opened and setup automatically deductions). It vests after 3 years. I also opened a Vanguard Roth IRA but haven’t put anything in yet.
Student Loans: I have $27,000 in federal student loans and my family has a $12,500 parent plus loan I'll pay. These are all on deferment until August 2023.
| Amount | Interest | |
|---|---|---|
| Personal Federal | $5,640 | 5.05% |
| Personal Federal | $6,532 | 4.53% |
| Personal Federal | $7,500 | 2.75% |
| Personal Federal | $7,500 | 3.73% |
| Parent Plus | $12,500 | 6.28% |
I am not sure how long I will plan to live at home and honestly sometimes can’t take it, but think if I play my cards right it can help set me up for success down the road. Any advice overall is SO SO appreciated, thank you in advance!
2023.06.05 21:46 xhakab Budget for new grad with lifestyle creep?
Hi! F22 here. Graduated college last year, moved back home, and have been a bit out of control with spending. I read the wiki, looked at what I’ve spent in the first half of the year, and tried to put a budget together for the rest of year.
My salary is ~$89,000 and I’ve been taking home roughly $5,500 monthly after taxes. I started working towards the end of last year. I have $17k in savings.
Monthly expenses with new budget and a few explanations after:
Rent: I live at home, but pay my family $400 monthly for my bedroom.
Car: The car I’m driving now is technically not mine. It’s in my family’s name and the understanding is that it’s “mine” as long as I pay the monthly payments and eventually give them more on top.
It’s a 2015 4Runner with 100k miles. It’s completely decked out and worth $23-25k. My family has a 2.3% loan on it with $1,800 left. Once it’s paid off (so in 3-4 months), they want me to give them an additional $7,500 to put it under my name. They’re “sort of” giving me the car, they just want what they paid as a down payment back. I can take out another loan, or see if they’re willing to take payments or take $3,750 this year and the other half next year. I’m not sure what to do here and would appreciate advice. I am fine paying them this for the car as I plan to drive it until the wheels fall off and I think getting something more economical (a Camry or Accord with better gas mileage) will cost me more.
Food: The $375 on eating out is partially me eating out a few times a week. It’s also a mix of me paying weekly to take my siblings out to eat.
Clothes/Personal Care: I tend to go overboard here. I work in a somewhat formal setting and didn’t have a decent wardrobe initially. I got several expensive silk blouses, wool pants, expensive shoes, backpack, and suitcase. I get my clothes tailored and spend here and there on more expensive haircuts, getting my nails done before presentations, etc. There is definitely room for me to cut back here.
Other Comments: I pulled all of my credit card transactions to make this monthly breakdown. It doesn’t completely add up to what I’ve taken home. I’ve had a few one time expenses. My uncle passed away earlier this year and since then I’ve spent $4,000 to support the funeral and my cousin with school clothes, sports gear, etc. I also spent $1,200 to replace carpet in two rooms of my family’s house. Lastly, I’ve spent $2,250 on travel/two trips for myself.
My company matches 25% of the first 6% for 401k (I already opened and setup automatically deductions). It vests after 3 years. I also opened a Vanguard Roth IRA but haven’t put anything in yet.
Student Loans: I have $27,000 in federal student loans and my family has a $12,500 parent plus loan I'll pay. These are all on deferment until August 2023.
Future Goals: I feel overall pretty aimless in life right now. I want to feel more in control of my finances and have goals I'm working toward. I’ve always been interested in FIRE/early retirement. I am also interested in having a condo or my own property in the next few years, but live in a MCOL (but leaning toward HCOL nowadays) city and not sure how attainable it’ll be on my salary alone. I am interested in travel and would like to add in travel savings too. I also feel obligated to help my family when I can (especially my siblings and younger cousin who’s father passed away).
I am not sure how long I will plan to live at home and honestly sometimes can’t take it, but think if I play my cards right it can help set me up for success down the road. Any advice overall is SO SO appreciated, thank you in advance!
submitted by xhakab to FinancialPlanning [link] [comments]
My salary is ~$89,000 and I’ve been taking home roughly $5,500 monthly after taxes. I started working towards the end of last year. I have $17k in savings.
Monthly expenses with new budget and a few explanations after:
| Category | First Half 2023 | Second Half 2023 |
|---|---|---|
| Rent | $400 | $400 |
| Car | $540 | $540 |
| Car Insurance | $180 | $180 |
| Phone | $105 | $105 |
| Gas | $150 | $150 |
| Groceries | $200 | $400 |
| Fast Food/Restaurants/Coffee | $375 | $75 |
| Clothes | $380 | $150 |
| Nails/Haircut/Personal Care | $130 | $50 |
| Dry Cleaning/Tailor | $125 | $25 |
| Subscriptions (SiriusXM, Amazon) | $20 | $20 |
| Toll Road | $45 | $45 |
| Fun (Department Stores/Plants/Books) | $130 | $100 |
| 401K | $0 | $410 |
| Roth IRA | $0 | $500 |
| Total | $2780 | $3180 |
Car: The car I’m driving now is technically not mine. It’s in my family’s name and the understanding is that it’s “mine” as long as I pay the monthly payments and eventually give them more on top.
It’s a 2015 4Runner with 100k miles. It’s completely decked out and worth $23-25k. My family has a 2.3% loan on it with $1,800 left. Once it’s paid off (so in 3-4 months), they want me to give them an additional $7,500 to put it under my name. They’re “sort of” giving me the car, they just want what they paid as a down payment back. I can take out another loan, or see if they’re willing to take payments or take $3,750 this year and the other half next year. I’m not sure what to do here and would appreciate advice. I am fine paying them this for the car as I plan to drive it until the wheels fall off and I think getting something more economical (a Camry or Accord with better gas mileage) will cost me more.
Food: The $375 on eating out is partially me eating out a few times a week. It’s also a mix of me paying weekly to take my siblings out to eat.
Clothes/Personal Care: I tend to go overboard here. I work in a somewhat formal setting and didn’t have a decent wardrobe initially. I got several expensive silk blouses, wool pants, expensive shoes, backpack, and suitcase. I get my clothes tailored and spend here and there on more expensive haircuts, getting my nails done before presentations, etc. There is definitely room for me to cut back here.
Other Comments: I pulled all of my credit card transactions to make this monthly breakdown. It doesn’t completely add up to what I’ve taken home. I’ve had a few one time expenses. My uncle passed away earlier this year and since then I’ve spent $4,000 to support the funeral and my cousin with school clothes, sports gear, etc. I also spent $1,200 to replace carpet in two rooms of my family’s house. Lastly, I’ve spent $2,250 on travel/two trips for myself.
My company matches 25% of the first 6% for 401k (I already opened and setup automatically deductions). It vests after 3 years. I also opened a Vanguard Roth IRA but haven’t put anything in yet.
Student Loans: I have $27,000 in federal student loans and my family has a $12,500 parent plus loan I'll pay. These are all on deferment until August 2023.
| Amount | Interest | |
|---|---|---|
| Personal Federal | $5,640 | 5.05% |
| Personal Federal | $6,532 | 4.53% |
| Personal Federal | $7,500 | 2.75% |
| Personal Federal | $7,500 | 3.73% |
| Parent Plus | $12,500 | 6.28% |
I am not sure how long I will plan to live at home and honestly sometimes can’t take it, but think if I play my cards right it can help set me up for success down the road. Any advice overall is SO SO appreciated, thank you in advance!
2023.06.05 21:39 xhakab Budget for new grad with lifestyle creep?
Hi! F22 here. Graduated college last year, moved back home, and have been a bit out of control with spending. I read the wiki, looked at what I’ve spent in the first half of the year, and tried to put a budget together for the rest of year.
My salary is ~$89,000 and I’ve been taking home roughly $5,500 monthly after taxes. I started working towards the end of last year. I have $17k in savings.
Monthly expenses with new budget and a few explanations after:
Rent: I live at home, but pay my family $400 monthly for my bedroom.
Car: The car I’m driving now is technically not mine. It’s in my family’s name and the understanding is that it’s “mine” as long as I pay the monthly payments and eventually give them more on top.
It’s a 2015 4Runner with 100k miles. It’s completely decked out and worth $23-25k. My family has a 2.3% loan on it with $1,800 left. Once it’s paid off (so in 3-4 months), they want me to give them an additional $7,500 to put it under my name. They’re “sort of” giving me the car, they just want what they paid as a down payment back. I can take out another loan, or see if they’re willing to take payments or take $3,750 this year and the other half next year. I’m not sure what to do here and would appreciate advice. I am fine paying them this for the car as I plan to drive it until the wheels fall off and I think getting something more economical (a Camry or Accord with better gas mileage) will cost me more.
Food: The $375 on eating out is partially me eating out a few times a week. It’s also a mix of me paying weekly to take my siblings out to eat.
Clothes/Personal Care: I tend to go overboard here. I work in a somewhat formal setting and didn’t have a decent wardrobe initially. I got several expensive silk blouses, wool pants, expensive shoes, backpack, and suitcase. I get my clothes tailored and spend here and there on more expensive haircuts, getting my nails done before presentations, etc. There is definitely room for me to cut back here.
Other Comments: I pulled all of my credit card transactions to make this monthly breakdown. It doesn’t completely add up to what I’ve taken home. I’ve had a few one time expenses. My uncle passed away earlier this year and since then I’ve spent $4,000 to support the funeral and my cousin with school clothes, sports gear, etc. I also spent $1,200 to replace carpet in two rooms of my family’s house. Lastly, I’ve spent $2,250 on travel/two trips for myself.
My company matches 25% of the first 6% for 401k (I already opened and setup automatically deductions). It vests after 3 years. I also opened a Vanguard Roth IRA but haven’t put anything in yet.
Student Loans: I have $27,000 in federal student loans and my family has a $12,500 parent plus loan I'll pay. These are all on deferment until August 2023.
Future Goals: I feel overall pretty aimless in life right now. I want to feel more in control of my finances and have goals I'm working toward. I’ve always been interested in FIRE/early retirement. I am also interested in having a condo or my own property in the next few years, but live in a MCOL (but leaning toward HCOL nowadays) city and not sure how attainable it’ll be on my salary alone. I am interested in travel and would like to add in travel savings too. I also feel obligated to help my family when I can (especially my siblings and younger cousin who’s father passed away).
I am not sure how long I will plan to live at home and honestly sometimes can’t take it, but think if I play my cards right it can help set me up for success down the road. Any advice overall is SO SO appreciated, thank you in advance!
submitted by xhakab to personalfinance [link] [comments]
My salary is ~$89,000 and I’ve been taking home roughly $5,500 monthly after taxes. I started working towards the end of last year. I have $17k in savings.
Monthly expenses with new budget and a few explanations after:
| Category | First Half 2023 | Second Half 2023 |
|---|---|---|
| Rent | $400 | $400 |
| Car | $540 | $540 |
| Car Insurance | $180 | $180 |
| Phone | $105 | $105 |
| Gas | $150 | $150 |
| Groceries | $200 | $400 |
| Fast Food/Restaurants/Coffee | $375 | $75 |
| Clothes | $380 | $150 |
| Nails/Haircut/Personal Care | $130 | $50 |
| Dry Cleaning/Tailor | $125 | $25 |
| Subscriptions (SiriusXM, Amazon) | $20 | $20 |
| Toll Road | $45 | $45 |
| Fun (Department Stores/Plants/Books) | $130 | $100 |
| 401K | $0 | $410 |
| Roth IRA | $0 | $500 |
| Total | $2780 | $3180 |
Car: The car I’m driving now is technically not mine. It’s in my family’s name and the understanding is that it’s “mine” as long as I pay the monthly payments and eventually give them more on top.
It’s a 2015 4Runner with 100k miles. It’s completely decked out and worth $23-25k. My family has a 2.3% loan on it with $1,800 left. Once it’s paid off (so in 3-4 months), they want me to give them an additional $7,500 to put it under my name. They’re “sort of” giving me the car, they just want what they paid as a down payment back. I can take out another loan, or see if they’re willing to take payments or take $3,750 this year and the other half next year. I’m not sure what to do here and would appreciate advice. I am fine paying them this for the car as I plan to drive it until the wheels fall off and I think getting something more economical (a Camry or Accord with better gas mileage) will cost me more.
Food: The $375 on eating out is partially me eating out a few times a week. It’s also a mix of me paying weekly to take my siblings out to eat.
Clothes/Personal Care: I tend to go overboard here. I work in a somewhat formal setting and didn’t have a decent wardrobe initially. I got several expensive silk blouses, wool pants, expensive shoes, backpack, and suitcase. I get my clothes tailored and spend here and there on more expensive haircuts, getting my nails done before presentations, etc. There is definitely room for me to cut back here.
Other Comments: I pulled all of my credit card transactions to make this monthly breakdown. It doesn’t completely add up to what I’ve taken home. I’ve had a few one time expenses. My uncle passed away earlier this year and since then I’ve spent $4,000 to support the funeral and my cousin with school clothes, sports gear, etc. I also spent $1,200 to replace carpet in two rooms of my family’s house. Lastly, I’ve spent $2,250 on travel/two trips for myself.
My company matches 25% of the first 6% for 401k (I already opened and setup automatically deductions). It vests after 3 years. I also opened a Vanguard Roth IRA but haven’t put anything in yet.
Student Loans: I have $27,000 in federal student loans and my family has a $12,500 parent plus loan I'll pay. These are all on deferment until August 2023.
| Amount | Interest | |
|---|---|---|
| Personal Federal | $5,640 | 5.05% |
| Personal Federal | $6,532 | 4.53% |
| Personal Federal | $7,500 | 2.75% |
| Personal Federal | $7,500 | 3.73% |
| Parent Plus | $12,500 | 6.28% |
I am not sure how long I will plan to live at home and honestly sometimes can’t take it, but think if I play my cards right it can help set me up for success down the road. Any advice overall is SO SO appreciated, thank you in advance!
2023.06.05 20:57 kikisupreme 341 meeting complete!
Just wanted to celebrate the completion of my 341 meeting, as this group has been so validating and supportive throughout my journey!
It was interesting to sit through and observe various outcomes. The cases with property ownership seemed more complicated and had further questioning. Mine was the only one that was truly simple.
I racked up consumer debt after a Jan 2022 layoff, when I didn't have the proper supports in place to avoid hardship. I tried to make the best choices I could for my survival. Survival mode gets hard at times, and I had no idea how tumultuous the job market was until I was thrown into it. I have chronic illness and disabilities, but don't easily qualify for benefits, which means I can work, but the work I can do is limited. It took until Dec 2023 to secure a full-time salaried role.
My case was simple as I am a working class person with no assets, met the means test, no dependents, alimony, open court cases, no suspicious transactions or credit usage prior to filing, etc.
I've been working for several years to adopt and optimize a disciplined, minimalistic and conservative lifestyle. I am conscious with my spending and was making good progress on existing debt and savings prior to layoff. I'm confident in my ability to success post-bankruptcy, and am proud of my journey!
If you see yourself in this post - I want to remind you that debt liberation and the ability to build a life for yourself "in the green" is more important than any stigma or status quo. Building one's "kingdom" is a path of humility, reason, and wise choices. The dominating consumer culture capitalizes on the needs of the ego and our inability to control our actions.
Thanks everyone for your support!
submitted by kikisupreme to Bankruptcy [link] [comments]
It was interesting to sit through and observe various outcomes. The cases with property ownership seemed more complicated and had further questioning. Mine was the only one that was truly simple.
I racked up consumer debt after a Jan 2022 layoff, when I didn't have the proper supports in place to avoid hardship. I tried to make the best choices I could for my survival. Survival mode gets hard at times, and I had no idea how tumultuous the job market was until I was thrown into it. I have chronic illness and disabilities, but don't easily qualify for benefits, which means I can work, but the work I can do is limited. It took until Dec 2023 to secure a full-time salaried role.
My case was simple as I am a working class person with no assets, met the means test, no dependents, alimony, open court cases, no suspicious transactions or credit usage prior to filing, etc.
I've been working for several years to adopt and optimize a disciplined, minimalistic and conservative lifestyle. I am conscious with my spending and was making good progress on existing debt and savings prior to layoff. I'm confident in my ability to success post-bankruptcy, and am proud of my journey!
If you see yourself in this post - I want to remind you that debt liberation and the ability to build a life for yourself "in the green" is more important than any stigma or status quo. Building one's "kingdom" is a path of humility, reason, and wise choices. The dominating consumer culture capitalizes on the needs of the ego and our inability to control our actions.
Thanks everyone for your support!
2023.06.05 19:46 earlyearlgray I asked chatGPT to make an argument to keep the current roster for next season
Because it’s off-season and why not. Here it is:
There are several compelling reasons to keep the current Toronto Raptors roster for the upcoming season. Despite a challenging 2022-2023 campaign, this team possesses significant potential and maintaining continuity can lead to improved results in the future. Here are some key arguments for retaining the current roster:
Chemistry and Cohesion: The Raptors have a group of players who have spent considerable time playing together. Continuity and familiarity within the team can enhance on-court chemistry and coordination. This familiarity enables players to anticipate each other's moves and develop a better understanding of their teammates' strengths and weaknesses. By keeping the core intact, the Raptors can build upon these existing relationships and further strengthen their cohesion.
Growth and Development: Many of the Raptors' current players are young and have shown great potential. By retaining the roster, the team can provide stability and continuity that allows players to continue their development. Young talents like Scottie Barnes, OG Anunoby, and Precious Achiuwa have already demonstrated their abilities, and by keeping them together, the Raptors can foster their growth and maximize their potential.
Defensive Identity: The Raptors have long been known for their strong defensive mindset. With players like OG Anunoby, Pascal Siakam, and Fred VanVleet, the team possesses a solid defensive foundation. Maintaining this roster allows the team to continue building on its defensive identity, as players become more comfortable with their roles and defensive schemes. Defense is often an essential component of success in the NBA, and the Raptors have the pieces to maintain their strong defensive presence.
Financial Flexibility: The current roster, while talented, doesn't have any contracts that are prohibitively expensive or hinder the team's financial flexibility. This flexibility allows the Raptors to explore potential trades or free agent acquisitions without being hampered by excessive salary commitments. By keeping the current roster, the team can maintain this financial flexibility and make moves to bolster the roster if necessary.
Competitive Balance: Despite a challenging season, the Raptors still possess a competitive core. They have experienced players like Fred VanVleet, Pascal Siakam, and Gary Trent Jr. who have proven their abilities to perform at a high level. With the right adjustments, the Raptors can remain competitive and be a playoff contender in the Eastern Conference.
In conclusion, keeping the current Toronto Raptors roster provides several advantages such as building on established chemistry, fostering player development, maintaining a defensive identity, preserving financial flexibility, and ensuring competitive balance. While changes may be necessary to address specific weaknesses, maintaining continuity can lead to improved results and long-term success for the team.
submitted by earlyearlgray to torontoraptors [link] [comments]
There are several compelling reasons to keep the current Toronto Raptors roster for the upcoming season. Despite a challenging 2022-2023 campaign, this team possesses significant potential and maintaining continuity can lead to improved results in the future. Here are some key arguments for retaining the current roster:
Chemistry and Cohesion: The Raptors have a group of players who have spent considerable time playing together. Continuity and familiarity within the team can enhance on-court chemistry and coordination. This familiarity enables players to anticipate each other's moves and develop a better understanding of their teammates' strengths and weaknesses. By keeping the core intact, the Raptors can build upon these existing relationships and further strengthen their cohesion.
Growth and Development: Many of the Raptors' current players are young and have shown great potential. By retaining the roster, the team can provide stability and continuity that allows players to continue their development. Young talents like Scottie Barnes, OG Anunoby, and Precious Achiuwa have already demonstrated their abilities, and by keeping them together, the Raptors can foster their growth and maximize their potential.
Defensive Identity: The Raptors have long been known for their strong defensive mindset. With players like OG Anunoby, Pascal Siakam, and Fred VanVleet, the team possesses a solid defensive foundation. Maintaining this roster allows the team to continue building on its defensive identity, as players become more comfortable with their roles and defensive schemes. Defense is often an essential component of success in the NBA, and the Raptors have the pieces to maintain their strong defensive presence.
Financial Flexibility: The current roster, while talented, doesn't have any contracts that are prohibitively expensive or hinder the team's financial flexibility. This flexibility allows the Raptors to explore potential trades or free agent acquisitions without being hampered by excessive salary commitments. By keeping the current roster, the team can maintain this financial flexibility and make moves to bolster the roster if necessary.
Competitive Balance: Despite a challenging season, the Raptors still possess a competitive core. They have experienced players like Fred VanVleet, Pascal Siakam, and Gary Trent Jr. who have proven their abilities to perform at a high level. With the right adjustments, the Raptors can remain competitive and be a playoff contender in the Eastern Conference.
In conclusion, keeping the current Toronto Raptors roster provides several advantages such as building on established chemistry, fostering player development, maintaining a defensive identity, preserving financial flexibility, and ensuring competitive balance. While changes may be necessary to address specific weaknesses, maintaining continuity can lead to improved results and long-term success for the team.
2023.06.05 18:34 lowergods need help on telling my family I plan on postpone the bachelor exam
So this is my last year of Faculty, but since January I've been living alone since my parents had to move to another country for health reasons. I ve always been independent but Idk why since then I've been struggling to get things done in school and my life too. (Homework, groceries, all that seems easy and doable it felt overwhelming) I managed to pass the exams of the first semester because I had a colleague that would push me into learning and not giving up, but for the last months I couldn't get anything done on my thesis. I just copy pasted some things and presented it to my coordinator so I would gain a sense of control, but now I am less than a month away from presenting the thesis and it feels so overwhelming, I just can't get it done in time and I have to take interviews for the reserach part too, I feel like it is too complicated to get it done until the end of June. I lied to my family, I would always tell them that I am writing on my thesis, in reality I would wake up on the afternoon and feel like a failure because I can't get up in the morning and put my life together.Now my coordinator requsted those who plan on postponing the bachelor to reach out, but I don't know what to do. I have other exams too, and it just doesn't feel like I would finish the paper in time, but I am too scared and ashamed to tell my family, they've always had such big expectations of me regarding academics. I don't plan on giving up the bachelor exam, I just plan on postponing until the next session in February 2024. But, my family already thinks about me getting a job that requires my diploma and moving to another country with them, where the salary is much bigger that in my home country. They would be dissapointed with me not taking the exam this session like the other colleagues. I have never been able to tell them what I really want or what hurts me, but this time I really have to tell them but I don't know how. I feel awful, and that's on me. Please I need your advises, thanks for reading
submitted by lowergods to family [link] [comments]
2023.06.05 17:31 Zyxwgh Final thoughts of a former Silph Road Scientist and former Pokémon Go player, 2 months after stopping playing
Dear Silph Road and PoGoRaids communities,
Many of you know me directly or indirectly as the (now retired) Silph Road Scientist who used to publish raid attacker spreadsheets, actually even as "prestiger" spreadsheets even before raids existed, who predicted forced nest migrations, or as the co-discoverer (together with u/DrThod_PokemonGo) of the egg rarity tiers, or just as the guy who tried fun and funny raid challenges with teams of small unevolved Pokémon, already before raids were even a thing.
I started playing in July 2016 and I played almost every single day between November 2016 and March 2023.
My passion for statistics / quantitative analysis + geo-located stuff had me hooked, and the challenge of achieving different goals kept me in the game despite the frequent bugs and the lack of communication from Niantic's side.
I decided to stop playing cold turkey when Niantic announced the price increase for remote raid passes, but that was just the final nail in thecoffin Koffing in a season full of frustrations, which in turn were only the tip of the iceberg above a huge chunk of unsolved issues.
2) Then in March I felt for the umpteenth time the rush to remove Frustration exactly in that week because it's just one week (or less) every three months, and not even with a fixed calendar.
3) Meanwhile I was hovering in the 2000s in GBL, without much hope to achieve Veteran any time soon, and still being forced to tank and go back up to get Rare Candies (because a 1-4 followed by a 4-1 gives 3 Rare Candies while two 3-2 sets give 0 Rare Candies).
4) I also realized that the "Go Battle League Pass" locked Elite TMs behind 900-950 battles per quarter, which amount to 20 monthly hours of GBL. At a $15 hourly salary that corresponds to $300 per month i.e. $3600 per year. Not sure if everyone realizes how much time/money it is.
5) At the end of March, the "Bronzor Cup" obviously added to the frustration level.
6) So the remote raiding kill (which not only meant I would have a hard time competing for the pokeraids Phantom Drafts, but also meant that walking to a gym locally, finding no one, and asking for remote help on Discord wouldn't be a possibility anymore) was just the cherry on top.
But these are just the final hits that made me realize there are many more unsolved issues in the game.
2) Related but slightly different: Rarity goes from "impossible" to "too much of it" AND BACK in a matter of days. I'd spend months chasing a rare Pokémon (e.g. Togetic), only for there to be a 3-hour window where I'd get plenty of it. But if in those 3 hours my daughter's school organizes an event, I may miss 90% of that exclusive time window and go back to "impossible" rarity at the end of the event. It also made any buddy walking or egg hatching or spawn chasing feel useless, because the game now is mostly "play in the scheduled obligation time to get what you need".
3) Being force-fed event after events also deprives players of the time to explore "natural" spawns (which are bad anyway) or nests (which nobody reports anymore because it's pointless on many levels).
4) It's very hard to coordinate with other players. For years we had to just be lucky and bump into other players by chance, and then try to find the right third-party app for that particular community (Telegram, WhatsApp, Discord...). Campfire is too little, too late, and not available for everyone yet.
5) Most game incentives cater to rule violators (mostly spoofers, multiaccounters and account sharers). Raids must be in person? "We'll fly to it." Guaranteed XL from trades? "I don't need your help, I just do 100 daily trades with my baby account." Regional exclusives? "My sister is in New Zealand, if you want I can ask her to catch a Relicanth for you." Especially multiaccounters get a lot of the good stuff: a second account, even without significant work put into it, adds firepower to raids, especially with the Mega attack bonus, it is a better Pokémon transfer "sink" than Professor Willow, who almost never gives XL candy, while "trades" with the alt account are often guaranteed, and a second account of a different team can conveniently take out the demotivated gym placeholders for 50 guaranteed coins a day. I literally emigrated away from a country that implicitly tolerates rule violators. I'm now leaving a game that implicitly tolerates rule violators.
6) Raids have been broken since freaking 2017 and no fix is in sight. I'm referring to the extremely annoying bugs called phantom hits and boss health regeneration.
7) RNG is everywhere. Spawns are random, eggs are random, IVs are random, the number of XL candies is random, GBL encounters are random, raid bosses appear randomly, nests rotate randomly, raid rewards are random, quests are random, and so on and so on. Yes, that's what keeps players trying for more, and yes, in the long term many things even out, but it's still quite frustrating.
8) Many ways of wasting raid passes. People backing out at the last moment because there is no in-game communication channel (and because the number of needed trainers and the actual attacker effectiveness are being kept obscure by Niantic), inability to re-enter when the raid has expired, and the already mentioned raid bugs make raiding sometimes just a waste of time and raid passes.
9) The GBL reward structure incentivizes tanking. Giving rewards on the basis of how many matches have been won within a set instead of overall, coupled with matchmaking based instead on Elo and therefore (roughly) on overall match wins, pushes players to lose matches on purpose in order to win more when their Elo is artificially lower but rewards are higher because of Go Battle Days or just 4-1 being just so much better than 3-2, given the poor average quality of encounters.
10) Communication sucks. It's June 2023 and there is still no way a new player can figure out that at the end of each GBL season the star piece has to be activated before clicking on Battle. And the same goes for a lot of in-game mechanics that can only be figured out by reading a lot of posts here or by trial and error. In addition, often the official blog and even Niantic support give wrong information.
1) The gym system is stupid. Instead of being competitive (actual battles for gym control among the three teams, with appropriate rewards) or cooperative (before the 2017 gym "reform", players from the same team could "power up" a gym by "training" in a raid-like way), it is just a race to who gets the first 6 spots in an empty gym without any effort (or with variable effort only by the first player) and then hoping that someone from the opposing team kicks out your "defender" after more than 8 hours but possibly every day, but not from all gyms but only one gym a day. Or just multiaccounting (ToS violation) and do it all yourself.
2) Too much focus on Saturdays and Sundays. For me it's a major problem, but I can understand the reason. However I'm around more often Monday to Friday than on weekends, so it's annoying that CDs, raid days and special research events (which are by the way the shortest and the ones that shouldn't be missed) fall on days when I'm not so flexible.
3) Too many pointless time sinks. Pointless animations when fighting gyms, pointless 120-second lobby when soloing a low-tier raid, pointless animations for buddy feeding, pointless need for AR when AR is not functional to the game, pointless Rocket rewards screens, etc.
I'm thankful to the Silph Road Team (moderators, scientists, researchers, and everyone else) and to the PoGoRaids Team (moderators, draft leaders, and everyone else) and to both TheSilphRoad and pogoraids communities because they have made this not-so-short phase of my playing life more enjoyable despite Niantic.
List of my most significant posts, i.e. my legacy, for those interested:
submitted by Zyxwgh to pogoraids [link] [comments]
Many of you know me directly or indirectly as the (now retired) Silph Road Scientist who used to publish raid attacker spreadsheets, actually even as "prestiger" spreadsheets even before raids existed, who predicted forced nest migrations, or as the co-discoverer (together with u/DrThod_PokemonGo) of the egg rarity tiers, or just as the guy who tried fun and funny raid challenges with teams of small unevolved Pokémon, already before raids were even a thing.
I started playing in July 2016 and I played almost every single day between November 2016 and March 2023.
My passion for statistics / quantitative analysis + geo-located stuff had me hooked, and the challenge of achieving different goals kept me in the game despite the frequent bugs and the lack of communication from Niantic's side.
I decided to stop playing cold turkey when Niantic announced the price increase for remote raid passes, but that was just the final nail in the
What promped me to quit the game for good
1) The first frustration was when Master Premier Classic was removed. Master Premier Classic was my best GBL league, I had a well-balanced team (Togekiss - Snorlax - Swampert) that I knew very well and brought me twice to Veteran. Now, to be equally competitive in Master Premier XL, I needed hundreds of XL candies for my team, which were basically locked behind events and trading. That is, easy for people flexible enough to play when Niantic wants, and easy for multiaccounters, but hard for legit players with work and family obligations like me.2) Then in March I felt for the umpteenth time the rush to remove Frustration exactly in that week because it's just one week (or less) every three months, and not even with a fixed calendar.
3) Meanwhile I was hovering in the 2000s in GBL, without much hope to achieve Veteran any time soon, and still being forced to tank and go back up to get Rare Candies (because a 1-4 followed by a 4-1 gives 3 Rare Candies while two 3-2 sets give 0 Rare Candies).
4) I also realized that the "Go Battle League Pass" locked Elite TMs behind 900-950 battles per quarter, which amount to 20 monthly hours of GBL. At a $15 hourly salary that corresponds to $300 per month i.e. $3600 per year. Not sure if everyone realizes how much time/money it is.
5) At the end of March, the "Bronzor Cup" obviously added to the frustration level.
6) So the remote raiding kill (which not only meant I would have a hard time competing for the pokeraids Phantom Drafts, but also meant that walking to a gym locally, finding no one, and asking for remote help on Discord wouldn't be a possibility anymore) was just the cherry on top.
But these are just the final hits that made me realize there are many more unsolved issues in the game.
What really needs to be fixed
1) The biggest problem of all: This game more and more feels like a series of chores. Gift sending/opening, buddy hearts, Frustration/CDs/events that force you to do something specific at set dates/times... All these things make the game an obligation to play during certain times, and no longer a game that can be played on one's own terms and schedule.2) Related but slightly different: Rarity goes from "impossible" to "too much of it" AND BACK in a matter of days. I'd spend months chasing a rare Pokémon (e.g. Togetic), only for there to be a 3-hour window where I'd get plenty of it. But if in those 3 hours my daughter's school organizes an event, I may miss 90% of that exclusive time window and go back to "impossible" rarity at the end of the event. It also made any buddy walking or egg hatching or spawn chasing feel useless, because the game now is mostly "play in the scheduled obligation time to get what you need".
3) Being force-fed event after events also deprives players of the time to explore "natural" spawns (which are bad anyway) or nests (which nobody reports anymore because it's pointless on many levels).
4) It's very hard to coordinate with other players. For years we had to just be lucky and bump into other players by chance, and then try to find the right third-party app for that particular community (Telegram, WhatsApp, Discord...). Campfire is too little, too late, and not available for everyone yet.
5) Most game incentives cater to rule violators (mostly spoofers, multiaccounters and account sharers). Raids must be in person? "We'll fly to it." Guaranteed XL from trades? "I don't need your help, I just do 100 daily trades with my baby account." Regional exclusives? "My sister is in New Zealand, if you want I can ask her to catch a Relicanth for you." Especially multiaccounters get a lot of the good stuff: a second account, even without significant work put into it, adds firepower to raids, especially with the Mega attack bonus, it is a better Pokémon transfer "sink" than Professor Willow, who almost never gives XL candy, while "trades" with the alt account are often guaranteed, and a second account of a different team can conveniently take out the demotivated gym placeholders for 50 guaranteed coins a day. I literally emigrated away from a country that implicitly tolerates rule violators. I'm now leaving a game that implicitly tolerates rule violators.
6) Raids have been broken since freaking 2017 and no fix is in sight. I'm referring to the extremely annoying bugs called phantom hits and boss health regeneration.
7) RNG is everywhere. Spawns are random, eggs are random, IVs are random, the number of XL candies is random, GBL encounters are random, raid bosses appear randomly, nests rotate randomly, raid rewards are random, quests are random, and so on and so on. Yes, that's what keeps players trying for more, and yes, in the long term many things even out, but it's still quite frustrating.
8) Many ways of wasting raid passes. People backing out at the last moment because there is no in-game communication channel (and because the number of needed trainers and the actual attacker effectiveness are being kept obscure by Niantic), inability to re-enter when the raid has expired, and the already mentioned raid bugs make raiding sometimes just a waste of time and raid passes.
9) The GBL reward structure incentivizes tanking. Giving rewards on the basis of how many matches have been won within a set instead of overall, coupled with matchmaking based instead on Elo and therefore (roughly) on overall match wins, pushes players to lose matches on purpose in order to win more when their Elo is artificially lower but rewards are higher because of Go Battle Days or just 4-1 being just so much better than 3-2, given the poor average quality of encounters.
10) Communication sucks. It's June 2023 and there is still no way a new player can figure out that at the end of each GBL season the star piece has to be activated before clicking on Battle. And the same goes for a lot of in-game mechanics that can only be figured out by reading a lot of posts here or by trial and error. In addition, often the official blog and even Niantic support give wrong information.
Minor problems
This above was enough to make me quit. But we also have some minor problems that would be nice to be solved because they are additional nuisances:1) The gym system is stupid. Instead of being competitive (actual battles for gym control among the three teams, with appropriate rewards) or cooperative (before the 2017 gym "reform", players from the same team could "power up" a gym by "training" in a raid-like way), it is just a race to who gets the first 6 spots in an empty gym without any effort (or with variable effort only by the first player) and then hoping that someone from the opposing team kicks out your "defender" after more than 8 hours but possibly every day, but not from all gyms but only one gym a day. Or just multiaccounting (ToS violation) and do it all yourself.
2) Too much focus on Saturdays and Sundays. For me it's a major problem, but I can understand the reason. However I'm around more often Monday to Friday than on weekends, so it's annoying that CDs, raid days and special research events (which are by the way the shortest and the ones that shouldn't be missed) fall on days when I'm not so flexible.
3) Too many pointless time sinks. Pointless animations when fighting gyms, pointless 120-second lobby when soloing a low-tier raid, pointless animations for buddy feeding, pointless need for AR when AR is not functional to the game, pointless Rocket rewards screens, etc.
Conclusion
I hope that someone at Niantic reads half of what I've written, knowing that they have lost one of the (many, but few in percentage) people who have contributed to the growth of the awesome community around this game, and knowing that, if the game is kept in this "alpha-version" state, many other players will leave and move on to something less frustrating and more enjoyable.I'm thankful to the Silph Road Team (moderators, scientists, researchers, and everyone else) and to the PoGoRaids Team (moderators, draft leaders, and everyone else) and to both TheSilphRoad and pogoraids communities because they have made this not-so-short phase of my playing life more enjoyable despite Niantic.
- The GPS switch-off trick to walk away during the 120s raid lobby: https://www.reddit.com/TheSilphRoad/comments/ey6ilq/the_gps_switchoff_trick_to_walk_away_during_the/
- The disappearing TMs problem, explained to Niantic (who eventually silently fixed it): https://www.reddit.com/TheSilphRoad/comments/f2b80z/the_root_cause_of_the_disappeared_tms_double/
- Theory of nesting species and how migrations practically work: https://www.reddit.com/TheSilphRoad/comments/7xatvf/why_aron_nests_are_about_to_host_gen2_starters/ https://www.reddit.com/TheSilphRoad/comments/9gks2p/complete_table_for_the_september_1314_forced_nest/
- Return on stardust/candy per Pokémon level until 40: https://www.reddit.com/TheSilphRoad/comments/6r4hxt/chart_return_on_stardustcandy_investment_pe
- How many catches/evolves are needed to complete the Hidden Power collection: https://www.reddit.com/TheSilphRoad/comments/7ajphi/54_caught_suicune_or_starmie_or_porygonporygon2/
- How many TMs are required to get the desired moveset on Mew: https://www.reddit.com/TheSilphRoad/comments/8aypoq/it_takes_13_fast_tms_and_24_charged_tms_on/
- Sometimes raid advice doesn't need to be complicated: https://www.reddit.com/TheSilphRoad/comments/ayb2ay/the_most_compact_rayquaza_raid_advice_for_casuals/
- When I was still enthusiastic about the game: https://www.reddit.com/TheSilphRoad/comments/6o7k96/one_year_as_an_average_silph_road_player_recap/
- How the Ingress Sojourner medal actually works: https://www.reddit.com/Ingress/comments/avtdrz/miniresearch_sojourner_cutoff_is_36_hours_from/
- 1000 prestige against Blissey: https://www.reddit.com/TheSilphRoad/comments/61ynox/1000_prestige_against_blissey_is_definitely/ (my first "raid" before raids were invented)
- 6 Venonat vs. Exeggutor: https://www.reddit.com/TheSilphRoad/comments/87ifpt/the_mighty_mites_exeggutor_solo_with_venonat_yes/
- 6 Smoochum against A-Exeggutor: https://www.reddit.com/TheSilphRoad/comments/9pj6fo/aexeggutor_can_be_defeated_with_a_team_of_l20/
- 6 Sudowoodo against Scyther: https://www.reddit.com/TheSilphRoad/comments/9h50oy/fun_challenge_6_sudowoodo_vs_scyther_no_weathe
- Gastly vs. Kirlia 1v1 (with 6 Max Revives): https://www.reddit.com/TheSilphRoad/comments/98thng/gastly_1v1_kirlia_using_6_max_revives/
- World's first (and maybe last) level-30 Tier 4 solo: https://www.reddit.com/TheSilphRoad/comments/acmbua/rhydon_solo_with_a_level_30_team_in_rain_possibly/
- Level 30 Weavile vs. Rocket Leader Sierra: https://www.youtube.com/watch?v=2SfgmtP0SCg
2023.06.05 16:48 JohnMental Results of the Rust Cup – a blockchain experiment that pushed Everscale to its limits and united the community
 | Brief introductionhttps://preview.redd.it/fgg467qtp74b1.png?width=1920&format=png&auto=webp&s=b1cff9dd0f76b984037252f71ed7b6cb37a9ed77Initially, the Rust Cup contest was hosted to test a Rust-based node, polish all the functionality, and restore its working order, as well as set a world record for smart contract execution speed. To cut a long story short, all of the goals were accomplished. Everscale successfully transitioned to the Rust node, which is now operating on the mainnet. During the contest, Everscale broke the world record for transaction throughput, with validators managing to achieve over 64,000 transactions per second on Rustnet. As one of the largest public experiments in blockchain, the Rust Cup played a significant role in the core development of Everscale, adjusting and polishing the tech stack as well as setting up a solid foundation for the network's security and Everscale’s validator community. Although the results of the Rust Cup experiments were excellent and the impact on the development of the Everscale tech stack was significant, when the time came for finalizing the results and paying out the initial rewards, it became clear that market conditions had dramatically changed. The collapse of Terra and FTX, and the further chain reaction of bankruptcies in the crypto industry led to the point where fulfilling all of the initial Rust Cup obligations to the participants could potentially lead to a crash of EVER’s tokenomics and disruption of the network’s economic sustainability. At that point, the community started discussing further steps for finalization of the Rust Cup, but the discussions and debates were slow-paced and led to no results. That’s when the Everscale DeFi Alliance took the initiative, and truly unique cooperation in the community started to form. Payout of rewards – initial proposal and a more balanced solutionInitially, the dialogue started with a proposal on EVER DAO from the validator community itself to initiate distribution of the Rust Cup rewards, as the locked stakes for validation were about to expire, and some validators could be doubtful about continuing their work.The first proposal didn't meet the requirements for the current Everscale economy, as the macroeconomic situation had drastically changed since the beginning of the contest. The proposal thus caused considerable debates and potentially could have led to a dramatic split in the community, as well as strong selling pressure on EVER. However, moving ahead a little, we can say with confidence that the initial proposal was the starting point for unique cooperation on EVER DAO within the Everscale community. This cooperation eventually led to the achievement of complex distribution of rewards and ensured consensus was reached between all parties and the long-term validators were incentivised. Overall, it led to sustainable development of the network. Let’s elaborate more on that. The Everscale DeFi Alliance used the initial proposal as a basis to prepare a more balanced and advanced version of the Rust Cup payouts proposal. After a few iterations with a narrow focus group, and then with a much wider group, the Everscale DeFi Alliance came up with a proposal that truly met the requirements of Everscale validators, the community, and the network governance. In a nutshell, the new proposal consisted of two options. The first one offered a quick reward for validators who wanted to be compensated for their operational expenses as soon as possible, and they would also receive an additional 50% of the rewards in LEVER tokens (pegged 1:1.2 to EVER with a two year lock-up). The second option was proposed to validators who were interested in continuing to work in the network long term. This option did not involve quick payments, but provided long-term motivation for validators: increased rewards for validator stakes that are locked for more than 12 months with an additional yield of 8–16% per annum depending on the lockup period, as well as increased odds for prize stakes when combining several pools into one in the main network. Results of the program and rewards payoutThe community met the amended Rust Cup terms warmly, and the second proposal passed on EVER DAO with a 99% threshold of “YES” votes. After all the addresses were finalized and the payout options were coordinated with the winners, all rewards were distributed to them.Results of the program: - Total numbers of validators who joined the Everscale network and are currently live in the mainnet: 81 - Confirmed participants who received four-year lock stakes: 263 - The total subsidy stake from Giver: 182.7M EVER - The total validator-owned stakes locked for four years: 24M EVER Summary The Rust Cup was not only an experiment for the core development of the network aimed at fixing bugs and transitioning to the Rust node, as well as pushing the network to its limits – it was also a valuable exercise in holding an open dialogue between Everscale’s validators, community, and core team. Despite the challenges, all validators and community and core team members demonstrated a high level of cooperation and benefited network development in its entirety, proving once again that Everscale is a truly decentralized network. |
2023.06.05 15:57 KeysMeSlowly Credit card suggestion for 75k salary and 862 credit score
 | Hi, I recently discovered this subreddit and I'm looking for some suggestions. I started using credit cards about 2 years ago with my Axis Flipkart and ICICI Amazon cards. My current salary is 75k pm. I use my Axis Flipkart card for almost all of my purchases, which come out to around 20k-25k per month or 2.5-3L per year. My expenses are mainly for groceries, bills, fuel, etc. submitted by KeysMeSlowly to CreditCardsIndia [link] [comments] While the Flipkart card has been useful for cashback, it doesn't have any good offers. I'm wondering if there's a better credit card option out there for someone with my salary and credit score (862). Ideally, I would like to have just one card for most of my transactions. Any suggestions or recommendations would be greatly appreciated! |
2023.06.05 15:45 Beautiful-Minute2842 💼💰 Unlock the Potential of Blockchain: Highest-Paying Jobs! 🚀🔗
Blockchain technology is revolutionizing industries, offering lucrative career opportunities. Here are some of the highest-paying blockchain jobs:
1️⃣ Blockchain Developer: Building decentralized applications (dApps) and smart contracts, utilizing programming languages like Solidity or Rust.
2️⃣ Blockchain Architect: Designing and implementing blockchain solutions, ensuring scalability, security, and interoperability.
3️⃣ Blockchain Consultant: Providing strategic advice on blockchain adoption, assisting companies in leveraging the technology for their business needs.
4️⃣ Blockchain Engineer: Managing the technical aspects of blockchain projects, including network infrastructure, security, and consensus algorithms.
5️⃣ Blockchain Project Manager: Overseeing blockchain initiatives, coordinating teams, and ensuring successful project delivery.
Tweet - https://twitter.com/partnr3/status/1665716042851840001?s=20
💼 These roles offer competitive salaries due to the specialized skills required and the increasing demand for blockchain expertise.
🌟 Embrace the blockchain revolution and unlock rewarding career possibilities! #BlockchainJobs #CareerOpportunities #EmbraceTheRevolution
Join partnr web3 hiring platform ( Decentralised Vetting powered by On-Chain Skill Graphs )
Website - https://www.partnr.network/
Discord - https://discord.gg/FhN7ZT6sdG
Twitter - https://twitter.com/partnr3
Telegram - https://t.me/partnr_jobs
submitted by Beautiful-Minute2842 to partnr [link] [comments]
1️⃣ Blockchain Developer: Building decentralized applications (dApps) and smart contracts, utilizing programming languages like Solidity or Rust.
2️⃣ Blockchain Architect: Designing and implementing blockchain solutions, ensuring scalability, security, and interoperability.
3️⃣ Blockchain Consultant: Providing strategic advice on blockchain adoption, assisting companies in leveraging the technology for their business needs.
4️⃣ Blockchain Engineer: Managing the technical aspects of blockchain projects, including network infrastructure, security, and consensus algorithms.
5️⃣ Blockchain Project Manager: Overseeing blockchain initiatives, coordinating teams, and ensuring successful project delivery.
Tweet - https://twitter.com/partnr3/status/1665716042851840001?s=20
💼 These roles offer competitive salaries due to the specialized skills required and the increasing demand for blockchain expertise.
🌟 Embrace the blockchain revolution and unlock rewarding career possibilities! #BlockchainJobs #CareerOpportunities #EmbraceTheRevolution
Join partnr web3 hiring platform ( Decentralised Vetting powered by On-Chain Skill Graphs )
Website - https://www.partnr.network/
Discord - https://discord.gg/FhN7ZT6sdG
Twitter - https://twitter.com/partnr3
Telegram - https://t.me/partnr_jobs
2023.06.05 15:43 ollieye Where can I find funding?
Hi guys! I just started a position as a research program coordinator at an R1 university. Even the majority of my work is doing research, my manager told me to pay attention to potential funding information because our team constantly needs projects. I used to be a student research assistant and never had to worry about where my salary came from. As a new graduate, I felt a little overwhelmed by this "you need to worry about the money now" situation. I was wondering what platforms and/or resources I should keep an eye out for in terms of new grants/funding/awards etc. Our research mainly focuses on public health and program evaluation.
Thank you in advance for any input!
submitted by ollieye to AskAcademia [link] [comments]
Thank you in advance for any input!
2023.06.05 15:34 tcforbrokers A Complete Guide to a Real Estate Transaction Coordinator
The role of a real estate Transaction coordinator can include helping to find a home, helping with the purchasing process, and managing the property. Coordinators can help connect buyers with agents, handle pre-sale negotiations, and more. Some other responsibilities that may be included in this role are marketing the property, creating listings, handling repairs and maintenance, and more.
submitted by tcforbrokers to u/tcforbrokers [link] [comments]
2023.06.05 15:10 Rick_And_Moranis The Degenerates of Hogwarts Dynasty Startup - 16-team Contract/Salary Cap League, Full IDP Rosters, $50 Buy-In (Leaguesafe), Harry Potter Themed
"Yer a Degenerate Harry"
Starting up a Harry Potter themed 16-team Dynasty Contract league. Here are some of the details:
Here's a link to the full Rules & Bylaws: https://docs.google.com/document/d/1CkfzLt9a3wQJ3-WiqmLdXGqBgzR3QR-FLy-aRCGd66M/edit?usp=sharing
Here's a link to the google sheet with Contract Tracking: https://docs.google.com/spreadsheets/d/1jjCq9uIUUwaphzoOnmcFTTPCFnZBjD4Jt6Hh7ArJ1vE/edit?usp=sharing
Looking to start Inaugural Draft as soon as league is filled and will likely host the draft on Sleeper, but will vote as league. Comment below or DM me if interested!
submitted by Rick_And_Moranis to findaleague [link] [comments]
Starting up a Harry Potter themed 16-team Dynasty Contract league. Here are some of the details:
- 16 Teams, split across 4 Divisions
- Gryffindor, Slytherin, Ravenclaw, and Hufflepuff
- While teams in same division will compete against each other, they will also be working together and competing against other Houses for the House Cup Champion title.
- League rosters/scoring will be hosted on Fleaflicker.
- League chat/contract transactions hosted on Discord.
- League Contracts/Salary Cap tracked on Google Sheet (see link below).
- Each team will have $150,000,000 in Salary Cap space each year.
- Owners will sign players to multi-year contracts, with the max contract being 5 years.
- Initial player salaries will be determined by their inaugural draft position.
- Free agents will be bid on auction style, with the highest value contract winning.
- Owners will have options to extend contracts or franchise tag players on their team.
- 1 Franchise Tag per year
- 3 Extensions per year (can only extend up to 2 years, can't extend a single player twice)
- Full IDP Rosters
- Includes IL (DT), EDR (DE/OLB), LB (ILB), CB, S positions.
- IDP scoring adjusted to be comparable to OP scoring.
- Points/Tackle tiered by IDP position
- OP scoring will be standard PPR, with a TEP (1.5/rec)
- IDP scoring adjusted to be comparable to OP scoring.
- $50 buy-in through Leaguesafe
- Multiple payouts, including weekly point winners
- Also includes payout to House Cup Champion at end of the season
Here's a link to the full Rules & Bylaws: https://docs.google.com/document/d/1CkfzLt9a3wQJ3-WiqmLdXGqBgzR3QR-FLy-aRCGd66M/edit?usp=sharing
Here's a link to the google sheet with Contract Tracking: https://docs.google.com/spreadsheets/d/1jjCq9uIUUwaphzoOnmcFTTPCFnZBjD4Jt6Hh7ArJ1vE/edit?usp=sharing
Looking to start Inaugural Draft as soon as league is filled and will likely host the draft on Sleeper, but will vote as league. Comment below or DM me if interested!
2023.06.05 12:34 gbshub Streamlining Financial Operations: The Power of Outsourced Accounts Payable Services
 | Streamlining Financial Operations: The Power of Outsourced Accounts Payable Services submitted by gbshub to u/gbshub [link] [comments] Outsourced Accounts Payable Services Introduction — Outsourced Accounts Payable Services In today’s fast-paced business environment, organizations face increasing pressure to optimize their financial processes while maintaining accuracy, efficiency, and cost-effectiveness. One area that often poses challenges is accounts payable management. Many businesses leverage specialized expertise to alleviate the burden and turn to outsourced accounts payable services. With years of experience and expertise in outsourcing processes of accounting and bookkeeping, we explore the benefits, main roles, types, and functions of accounts payable, shedding light on how outsourcing can revolutionize financial operations. Benefits of Outsourced Accounts Payable Services Outsourcing accounts payable services offer a myriad of advantages that can significantly impact an organization’s financial operations. Firstly, it allows companies to tap into a vast pool of specialized talent without requiring extensive hiring and training processes. Dedicated professionals experienced in managing accounts payable ensure streamlined operations, accurate bookkeeping, and compliance with financial regulations. Secondly, outsourcing accounts payable services enable businesses to enhance efficiency. By leveraging advanced technologies and streamlined workflows, outsourced providers automate manual tasks, such as data entry and invoice processing, reducing errors and speeding up the payment cycle. Additionally, outsourcing allows for the utilization of economies of scale, resulting in cost savings and improved cash flow management. Thirdly, outsourcing accounts payable services provides organizations with improved scalability and flexibility. As businesses grow, the volume of invoices and transactions increases. Outsourced providers are equipped to handle this growth seamlessly, ensuring uninterrupted operations and the ability to scale resources up or down based on business needs. Moreover, outsourcing offers flexibility in adapting to evolving technologies and changing market trends without substantial investments in infrastructure or software. What is the primary role of accounts payable? The main role of accounts payable is overseeing the company’s financial obligations to its suppliers, vendors, and creditors. Accounts payable professionals are responsible for processing, recording, and managing incoming invoices and ensuring timely payments to maintain positive vendor relationships. They play a crucial role in ensuring the accuracy of financial records, reconciliation of accounts, and adherence to internal control policies and external regulations. What are the different types of accounts payable? Accounts payable can be categorized into several types based on the nature of the transactions involved:
Accounts payable services encompass a range of activities that ensure the smooth functioning of the payables process. These services include:
The four primary functions of accounts payable are as follows:
Q: What are the advantages of outsourcing accounts payable services? A: Outsourcing accounts payable services offers access to specialized expertise, enhanced efficiency, scalability, cost savings, and flexibility. Q: How can outsourced accounts payable services streamline financial operations? A: By leveraging advanced technologies and specialized talent, outsourced providers automate manual tasks, reduce errors, speed up payment cycles, and improve cash flow management. Q: Can outsourced accounts payable services adapt to business growth? A: Yes, outsourced services provide scalability, allowing organizations to handle increased transaction volumes seamlessly and scale resources based on business needs. Q: What types of accounts payable exist apart from trade payables? A: Other types of accounts payable include accrued expenses (uninvoiced costs) and notes payable (loans or credit facilities). Q: What are the main functions of accounts payable? A: The main accounts payable functions include invoice management, payment processing, vendor relationship management, and financial control and compliance. |