Molly maid monthly cost
Subjective Value Counts!
2023.05.30 22:58 FreddyOaks Subjective Value Counts!
| I loved Pokémon so much as a kid, specifically the TCG. I have vivid memories of ripping base set, jungle and fossil packs. I even remember disliking the team rocket expansion when it came out because I thought it looked too new and didn’t like the art (what a sweet summer child). We moved when I was 10, and I can remember as the movers were boxing up our belongings, I had been admiring all my best pulls. I had all the holographic cards I ever got laid out on a desk, just to look at, and that’s the last I ever saw them. I don’t know if the movers nabbed them or if they somehow got lost, but 20 years later I still rummage through boxes at my parents house in the off chance they show up. After that, my collection of commons and uncommons that were left just served as a bitter reminder and I must have unceremoniously dealt them to a younger cousin or someone who still wanted them. Last September, I bought a couple newer packs (I think vivid voltage and brilliant stars just for the Celebi and Arceus sleeve arts) as a nod to our youth for my buddy who was turning 30. We still play the console games but had both been long out of touch with the TCG. When he snapped me back what he pulled (and btw there were no hits) I realized that thrill of opening packs was still there. Over the last few months I’ve been absolutely loving grabbing a pack here and there and just soaking up the experience. Even the smell of the fresh cards fills my heart up with joy. You want hits, but that jolt of excitement is what it’s all about. The more I get back into it, the sadder I get that I don’t have my childhood collection anymore. Those cards are not only costly, but even if I bought some loose throwbacks, they wouldn’t be the same cards that brought me all that joy as a kid; they wouldn’t be mine. But there’s a ray of hope to this story. Just now, I remembered a bookmark I’d been using years ago but had misplaced. I just went through all the books on my shelf looking for it, and there, wedged at the back of an almost-finished Alan Watts philosophy book, I found it. I have no idea how this card avoided the fate of my others. Maybe because Hitmonchan was (and still is) one of my favorites of all time and I kept it with me that day, or maybe I just missed it in the binder. But I can tell you, this being the very last card I have from that collection means more to me than any card out there. PSA 10’s and chase value are fun to follow, but some cards are truly priceless, and those are the ones that make this enterprise so special to some of us. submitted by FreddyOaks to PokemonTCG [link] [comments] |
2023.05.30 22:56 htkeywo NHS caused tinnitus, my GP is useless and I would like to see if I have any other options
Hi,
I'm a bit undecided because I am getting different opinions on how to proceed. So long story short, I got an earplug stuck in my ear and went to the hospital. At that point it was uncomfortable but not too terrible. A nurse tried to remove but instead pushed it further in causing severe pain and pressure against my eardrum. I told her and she then lied saying she was hoping it was another type of earplug that's easier to remove. She then told me to come back in a few days because they were too busy and sent me home with painkillers which did nothing.
Later the same day I went to A&E after 111 told me to do so because the pain had become unbearable and I felt like my ear drum was going to literally burst. Another nurse checked but again said they were too busy. So not only did they cause harm, they just brushed it off as if it wasn't their problem.
The next day I called again because the tinnitus started and they gave me an appointment within a few hours, they removed it and said the tinnitus will settle, except it didn't. Now my GP is saying that if she wants to refer me I will have to wait 18 months to be seen because it is not urgent.
Maybe I have another expectation of what a health system should be like but I am sick of this shit how the national "health" service is. I'm medically educated myself and where I am from this would likely be malpractice and gross negligence. Although I've lived here many years I cannot get used to this. I have documented everything and even recorded my consultations just in case I need them for evidence because after that first nurse I absolutely trust them to falsify my medical notes. Anyway, my options are the following:
- I have got insurance who would agree to pay for me to be seen so I don't have to wait and they said they will take the information and try to hold them accountable for the cost later so my premium doesn't go up. But that wouldn't help with me with getting compensation for me.
-The no win no fee lawyers are insisting I go through the formal complaint route first by myself and if I am not happy with the outcome only then will they be able to initiate a claim. Lawyers from my country are absolutely advising against me talking to them directly because they might try to spin it and say a solicitor should handle it. Obviously they have their own interest at heart too because they said they can handle it (they're allowed to practice in both countries).
I need the compensation to cover the ongoing treatment which I insist will not be on the NHS which lawyers say is my right and also some for the pain and distress caused.
Any advice on which option to go through please?
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htkeywo to
LegalAdviceUK [link] [comments]
2023.05.30 22:56 Calm-Image744 What’s the next step for me?
Hi, and thank you in advance for taking the time to read. Let me start by saying I swear I'm not having a mid-life crisis. Everything is fine I'm just super indecisive.
So, my son (8m), my fiance (24f) and I (32m) live together in a 3 bedroom townhouse owned by her father. This essentially means we're getting a brea on the rent (paying $1350 per month when it should be around $1900-$2100). Back when covid hit and I got laid off I decided to leave the union and quit iron-working. I found a government grant that paid for me to go to Hvac school for free.
I graduated and made $100k my first year and around $135k my second. Iron-working I was making about $70k-$75k so this was a huge bump.
The only amoun of "splurging" I've done is paid roughly $30k to build the 1963 Chevy II SS I've been dragging around with me since I was 16, and the upcmoing wedding in October costing around $20k (FIL is contributing $10k and MIL is contributing $5k) so only $5k out of pocket for me.
Now keep in mind, before switching to Hvac I had virtually no savings and was living paycheck to paycheck. Currently I have about $18k in a roth ira account because my new employer doesnt offer 401k and I had to move out of my previoud employers provider. I have about $28k between my checkings and savings, another $70k in cash, about $10k in silver, and another $5k between a robinhood, wealthfront and charles schwab investment account. At the moment im averaging about $3.5k per week in gross revenue.
Heres the issue.
I am bored beyond belief and I dont feel i make anywhere near the amount of money I want/need to in order to retire by 40 (soft goal). I’m super insecure about my financial portfolio. I am chock full of ideas; some of which I feel could easily be multi-million dollar companies if they aren't already. I am hyper motivated but feeling discouraged after three failed business attempts.
The issues is I have zero network. I grew up super poor and was not by any means a model citizen growing up and have worked very hard and spent hundreds of hours in therapy to sperate myself from not only that lifestyle but from the people I grew up with so I dont have many friends left or at least no "lifers" that I've known for 18+ years or whatever.
I just feel like im at a platue now and I cant figure out what to do to take the next step. I want to take the $130k per year and make it $260k per year. That's what I've done my entire life. My entire resume is level-up list where every new Job I've acquired I've made more money than the lasy or at least improved my quality of living substantially compared to the previous situation and I’m ready for that. I want to have more children with this girl that I love. I want to get big ol house with some land and chickens and more dogs and have toys to fuck around on. I refuse to be one of the
antiwork people and cower the the climate of hyper capitalism. I’ll do whatever it takes to make it happens I’m just waiting for that one opportunity to come along. I even have an llc just sitting there doing nothing atm. At the very least I’d love some advice on how best to allocate the $70k cash I have and put that money to work.
Any advice or input is appreciated and I'd love to discuss anything further in the comments! Also my location is Lv, NV.
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2023.05.30 22:56 cheese_master93 Why are our houses so cold?
As the title says. Every morning in the colder months I wake up shivering. I got the sheets, blanket, and doona on, thick wool socks, I shut the window so no cold air gets in. And I'm still cold. Are we building them sub standard? Is this apart of cost cutting, and they just have thinner walls?
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2023.05.30 22:56 FeralPlays So I realized something today...
I've been playing this game for about 6 months, and I only today realized that to remove the stage hazards it cost the currency we use to put down monkeys and not the monkey money. Whoops.
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2023.05.30 22:55 CrackerOfCorn Signer a lease but apartment is being renovated. What are my options?
EDIT: forgot to include state in title, sorry this is in COLORADO
Signed a lease about a month ago for a new apartment. Showed up today to pay the move in costs and start setting up but the apartment is no longer available as it is in the midst of being renovated. Still working with them on a solution but so far they've offered me two solutions.
Option 1: move in to the same floor plan but for an extra $300 a month
Option 2: keep the original or similar pricing for a smallelesse floor plan
It kinda seems like I'm getting screwed either way and am not gonna take either option at the moment. They are still working with managers or whatever via email so these aren't the final solutions (hopefully) the person I am dealing with in person wasn't aware I already had a lease signed by both parties. I just emailed him a copy, hopefully that gets me somewhere without causing a big fuss (I hate causing a big fuss)
What are my options, generally and legally, as someone who has already signed a lease?
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CrackerOfCorn to
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2023.05.30 22:55 pennylunasun RU/Sapphire: Transitioning to Warmer Weather
| after desperately longing for summer these past months, it’s finally here 🙏🏼😍😍 and suddenly, new challenges arise! immediately, i realise what people mean by „summer is inherently more down than winter“ — and i have been trying to incorporate more „Up“ details other than layering my clothes — you’ve mentioned using non-clothing items to do this, so i’ve been trying to do the following: - bigger jewellery
- multiple necklaces
- actually using my multiple ear piercings (i stopped using them because they kept getting infected, finally realized i am allergic to most costume jewellery, so this startegy must be used sparingly)
- lightweight scarves as jackets
- wearing a shirt as a jacket
- using my hair as visual interest
- this anklet i can only wear in summer due to shoes
- matching toenails when wearing sandals
- patterns make the one clothing item look like more, replaces layering
- sunglasses always
I also realise that a lot of my summer clothes are very „young“, revealing, and inappropriate for my up to date goals of how i want to appear in professional situations (a habit of jumping at cheap opportunities to buy exciting clothes, this doesn’t happen in winter with sweaters costing upwards of 40 bucks no matter where you go lol) - slowly, i would like to replace tank tops and the like with more formal & high quality items, but as usual, this will take a while. until then, i must find ways to make my wardrobe usable for my purposes Outfit 1: Evening in the city with friends Outfit 2: Hanging out in the park & then evening in the city with friends Outfit 3: Casual Gym & Date day with BF Outfit 4: Casual Gym & Home day (realising i hate this cardigan, only added it to the collage as a comparison; i don’t even know if it actually looks good on me but it is so yin and i hate how vulnerable it makes me feel even tho it’s pretty - must replace come autumn) — also btw regarding my other recent post about movie character inspo; this look reminds me so much of pocahontas/tiger lily, which i loved so much as a kid (no cultural appropriation intended, it’s mostly the color scheme & hair for me, and for some reason, the earrings are reminding me of sth too but i’m not sure what) Outfit 5: The Uni version as it was still a bit chilly in the morning for shorts Outfit 6: Uni, did not feel entirely comfortable wearing this at the hospital, hence my new spiral into realising i need a more appropriate yet awesome summer wardrobe - maxi dresses, anyone? (outfit 1 was actually later that day, and i deliberately chose the maxi dress to make the outfit more „up“ for the evening, even tho i wouldn’t say the striped dress itself necessarily looks „better“ on me than the turquoise one) I’ve had a break from Uni this week, so I’ve been taking the opportunity to wear my short summer dresses and flaunt it, but it all starts up again tomorrow so we’ll see how I make this happen 😁 submitted by pennylunasun to RitaFourEssenceSystem [link] [comments] |
2023.05.30 22:54 Wiz-Khaleesi Trip itinerary help
Hi all, I am coming out for 10 days next month and renting an RV for my sister's bachelorette party. Was hoping for some suggestions/critiques in my itinerary :)
Day 1: Anchorage Arrival
Pick up RV grocery shop, etc
Day 2: Anchorage to Seward (2-3 hours)
Drive to Seward, stops on the way:
Potter Marsh Wildlife Viewing Boardwalk: incredible wildlife viewing/birding
Byron Glacier trail (3.2 miles)
Days 3-5: Aialik Bay
3 day kayak trip in Aialik Bay
Day 6: Kenai Fjords NP by land
Exit glacier trail (2.2 miles) or Harding Icefield trail (8.2 miles, strenuous)
Days 7-10: help!
Options: Valdez, Denali NP, Homer, any other suggestions or specific hikes/sites?
Day 10
Afternoon: glacier paddleboarding via heli
Day 11: Leave
Wondering if anyone has any suggestions for my days 7-10. I want to do it all and am having trouble narrowing it down- would love a perspective from someone familiar with the area. We are pretty maxed on budget with what we have, so we can't really add in any other costly excursions.
Thanks so much for the help!
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2023.05.30 22:53 Kolegooo Feel Like The Sooner I Can Become Financially Secure The Better.
I know everyone wants this. But it's a pretty extreme feeling for me. Money is a big concern to me beacsue of the price of houses and the rising costs of living and because of ADHD. I impulsively spend, sometimes it's just food other times it's much more expensive things.
It's all fine and well RN living with my parents and having no responsibilities. But that won't always be the case. I not only fear not having money, more so having responsibilities and not having money, but being stuck in mortgage for 25+ years and/or getting a new car on finance as everyone seems to these days and paying off over 5 years or so.
But apparently that's how we are meant to live. I end up feeling like existing is pointless. Like really what is the point? There isn't one besides our evolutionary purpose to reproduce and survive. But in the grand scheme of things, you can say there's no point in us existing in the first place. Being human, is a gift and a curse really, it's a miracle we are here, the odds have always been against us and yet life prevailed. I am thankfull to have the opportunity to possibly have a purpose that is more than just eating, sleeping, a bit of growing, repeat, and eventually dying or being eaten. I have sort of concluded the purpose is to enjoy life, to have an adventure and to have fun and look after those I love. And maybe, if possible to have some positive contribution to humanity.
The curse on the other hand, is having a decent understanding of the universe and the sciences, being conscious and self aware. Knowing there is no actual purpose in the grand scheme of things and having to come up with your own. Because if you can't come up with one or you are failing at the one you have. Everything becomes pretty pointless.
I've gone off on a tangent here, but the thing is I feel I can't get finance or a mortgage, because i feel like the moment I do, I am, in a way, sealing my fate. Since being in school I struggled to, and in many cases was unable to make plans for my future. It was horrible, and still is. I can't plan meals for a week which I attempted at uni, because I don't know what I am going to want to eat each day. I'd end up throwing so much out because I'd forget about it and it'd go off or i just simply didn't want it and it'd go off.
A few years back me and a friend went on a trip to Amsterdam and Barcelona, we booked it the night before. It was actually so much less stressful than booking one in advance. Because knowing it's coming up gives me so much anxiety. I suppose I like to live in the moment. Do what I want when I want. Being stuck with a mortgage and my 9-5 job, I can't really decide I want to travel the world, or go wild camping for a month or some shit. I mean I can if I book in advance I suppose and plan it, but yeehhhh 😑
I also don't mind working, if it's interesting and something worth working on. My job is not that at all. It also doesn't help there is only one other guy in my office, my manager, who I detest, as is paid double what I get for i shit you not, a quarter of the work, and that's probably being kind. I'm a hard worker and like solving problems and being creative. I try to use those traits in my current job with some success, but there is only so much I can do. I'm basically a regulatory compliance dude and do data analysis, it's boring af. It pisses me off they i spend like half my waking life in an office with the cunt (actually less than that, because he has so many cig breaks 🙄).
Feel like my only way out is to start my own business/businesses, on the side. And my plan is to spend my money on assets, things that can make me money. I feel like i want to buy a cheapish house outright and fix it up. Then eventually sell it, or rent it out if it's nice enough. The thing Is, i have time and energy, and the motivation not to fail. Just not really the direction to channel these qualities i guess. I don't like relaxing, i hate it, and i struggle to do it. But i wish i could, i wish my brain would slow down enough instead of trying to make me do 100 things at once. Maybe I can once I climb out this hole. Once I achieve something.
Shit bollocks this is a long post, i do apologise.
I'll open the floor to any questions or suggestions. Thankyou.
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2023.05.30 22:53 Mushii18 Hi! I'm a pharmacist and is currently looking for a job.
I was a former pharmacist at the leading drugstore. I got promoted to be an Assistant Branch Manager and was transferred to a branch 88km away from home. I resigned 2 months after due to the cost of living, the loan I had that time and because of my manager. The months of savings I have were all used within 2 months. Btw, I only got 1k increase from my previous position. There is a yearly increase which depends on the branch performance and mine as well. I declined my manager for promoting me a lot of times because I don't want to get transferred and I don't want to be promoted. This may sound ungrateful but for me my position before gave me the work-life balance. I already asked for transfer but was declined for there was no available branch for my position.
Ff, I was told to be hired last year for a new store but didn't go as planned because they didn't continue on the project. Earlier this year I applied to a franchised store but didn't go through it because I heard from a reliable source that the owner is demanding and has a bad mouth. This month, I was to replace the pharmacist working in a clinic but changed her mind on not resigning.
I feel so lost these days. I am thinking that I made bad decisions which leads to my current situation.
I am thinking of applying in Look good, Feel good company next month. Will asking for a salary of 30k good or I should I just accept the salary they give to new hires? I think the salary is 20k and no salary increase (from what I have heard of my friend who works there before) What do you recommend or suggest?
PS. My beginning salary on my former job was 14k and worked my way up to 24k within 5years.
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2023.05.30 22:51 AutoModerator Where To WATCH Shin Kamen Rider OnLine Free ON REddIt
Over 25 years ago, a little boy named Andy received a Buzz Lightyear action figure in the 1995 Pixar film Toy Story. Now, all these years later, audiences will finally see the movie that inspired that action figure in the Toy Story spin-off movie, Lightyear, which is soaring into theatres this weekend.
This is not the Buzz Lightyear you know and love—the one who is best friends with Woody and voiced by Tim Allen. This is the original Buzz Lightyear, a bonafide space ranger voiced by Chris Evans, who is stranded on a hostile planet that is 4.2 million lightyears from Earth, alongside his commander and crew. The Lightyear cast also includes the voices of Keke Palmer, Peter Sohn, James Brolin, Taika Waititi, Dale Soules, Uzo Aduba, and Isiah Whitlock Jr.
With this new Toy Story adventure coming to theatres, you may feel the urge to revisit the classics. The decider is here to help with that. Read on to find out what Toy Story movies to watch before Lightyear and how to stream the Toy Story.
20 Movies That Are So Good, They’re Almost Perfect
Can I Stream Shin Kamen Rider?
You can’t stream Lightyear yet — but you’ll be able to soon. As a Disney movie, you can expect Lightyear to drop on their streaming service, Disney Plus, in the coming weeks, but the exact date of when that might happen hasn’t been announced yet.
Generally, with their cinematic releases, Disney and Pixar tend to follow either a 30-day release window or a 45-day release window. We don’t know which one they’re going with yet for Lightyear, but this means that given the movie’s global release date is June 17, we can expect Lightyear to be on Disney Plus sometime between July 21 and August 3, 2022.
Movies That Are Considered to Be Almost Flawless
Where To Watch Shin Kamen Rider Online
With a new Lightyear coming out very soon, you may want to rewatch all the movies. Or, if you haven’t given the animated adventure films a shot, now is your chance.
Just click the link below to watch the full movie in its entirety. Details on how you can watch Shin Kamen Rider COUGHING for free throughout the year are described below. If you’re a fan of the comics, you won’t want to miss this one! The storyline follows Shin Kamen Rider Coughing as he tries to find his way home after being stranded on an alien planet. Shin Kamen Rider COUGHING is definitely a Shin Kamen Rider Coughing movie you don’t want to miss with stunning visuals and an action-packed plot! Plus, Shin Kamen Rider Coughing online streaming is available on our website. Shin Kamen Rider Coughing online free, which includes streaming options such as 123movies, Reddit, or TV shows from HBO Max or Netflix! Shin Kamen Rider Coughing Release in US Shin Kamen Rider Coughing hits theaters on September 23, 2023. Tickets to see the film at your local movie theater are available online here. The film is being released in a wide release so you can watch it in person.
Lightyear can all be streamed using an HBO Max or Hulu subscription. If you’d prefer to rent the movies, only the first two are on Prime Video. Otherwise, all three films can be rented on YouTube, Apple TV+, or Google Play Movies & TV.
The second film in the franchise, Lightyear, will be released on June 17, 2022. Right now, it’s not confirmed where the movie will be streamed after its big-screen release.
Is Shin Kamen Rider on Netflix?
Lightyear is not available to watch on Netflix. Suppose you’re interested in other movies and shows. In that case, one can access the vast library of titles within Netflix under various subscription costs depending on the plan you choose: $9.99 per month for the basic plan, $15.99 monthly for the standard plan, and $19.99 a month for the premium plan.
Is Lightyear on Disney Plus?
No sign of Lightyear on Disney+, which is proof that the House of Mouse doesn’t have its hands on every franchise! Home to the likes of ‘Star Wars, ‘Marvel’, ‘Pixar’, National Geographic’, ESPN, STAR, and so much more, Disney+ is available at the annual membership fee of $79.99 or the monthly cost of $7.99. If you’re a fan of even one of these brands, then signing up to Disney+ is worth it, and there aren’t any ads, either.
Is Lightyear on HBO Max?
Sorry, Lightyear is not available on HBO Max. There is a lot of content from HBO Max for $14.99 a month, such a subscription is ad-free, and it allows you to access all the titles in the library of HBO Max. The streaming platform announced an ad-supported version that costs a lot less at $9.99 per month.
Is Lightyear on Hulu?
They’re not on Hulu, either! But prices for this streaming service currently start at $6.99 per month or $69.99 for the whole year. The ad-free version costs $12.99 per month, $64.99 per month for Hulu + Live TV, or $70.99 for the ad-free Hulu + Live TV.
Is Lightyear 2022 on Amazon Video?
Unfortunately, Lightyear is not available to stream for free on Amazon Prime Video. However, you can choose other shows and movies to watch from there as it has a wide variety of shows and movies that you can choose from for $14.99 a month.
Is Lightyear on Peacock?
Lightyear is not available to watch on Peacock at the time of writing. Peacock offers a subscription costing $4.99 a month or $49.99 per year for a premium account. Like its namesake, the streaming platform is free with the content out in the open. However, limited.
Who Is in the Shin Kamen Rider Cast?
Captain America himself, Chris Evans, will be the voice of the film’s titular Space Ranger. Apart from Evans, Keke Palmer (Scream Queens), Dale Soules (Orange Is the New Black), and Taika Waititi (Jojo Rabbit) have also been announced as part of the cast, lending their voices to other ambitious recruits at Star Command. The voice cast includes Uzo Aduba, James Brolin, Mary McDonald-Lewis, Efren Ramirez, Peter Sohn, and Isiah Whitlock Jr. Bonus: Check out this featurette where the cast talks about what Buzz Lightyear means to them.
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2023.05.30 22:50 girluoeno My unregistered car was towed from my driveway by code enforcement, but the code they’re giving me doesn’t say I can’t have an unregistered car
I have a house in Albany but I knew I was going to be gone for about a year and wouldn’t need to drive my car so I canceled car insurance. In order to do that, they had me turn in my license plate. Then I left my car parked in the small parking lot on my property.
Fast forward to last week, I get back to Albany prepared to get my car checked up by a mechanic & get license plates… and my car is not there. I call the cops, they think the whole thing is weird and can’t tell me why it was towed. Eventually they find out they were told by code enforcement that it was a code violation so they had it towed. They give me the phone number of the code office.
Well I just got off the phone with an unbelievably rude guy from the code office who cited code NYS PMC 302.8 and said I can’t have an unregistered vehicle on my property. I asked if they sent out a notice and he read off that they sent a notice to an address all the way in California that I’ve never heard of or lived near.
After I hung up, I looked up the code it and says “not more than one inoperative or unlicensed motor vehicle shall be parked, kept or stored on any premises, and no vehicle shall at any time be in a state of major disassembly, disrepair, or in the process of being stripped or dismantled”
Not more than one. I only had one. And it was not in a state of disassembly/disrepaietc. So I called back to get clarification and he said no the code says you can’t have unregistered vehicle. Then he hung up on me.
I don’t even know where to go from here. It was towed 2 months ago and it’ll cost over $2500 to get it out of the tow place. Is this guy being truthful that I violated a code? If so, which code? And if this was a mistake, what do I do?
Thanks in advance for any help or insight you provide.
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2023.05.30 22:50 Kyxstrez I may have done a big mistake... WTF HP
I bought a HP 4120e. I knew about the shitty DRM that HP has, I knew also how they enforced it with a firmware update a couple months ago, but I thought I could just never ever connect my printer to the internet and be fine using third-party cartridges that cost 5 times less... But now I just received the printer and I noticed a sticker on the USB port, so I checked the manual and it says that this printer can only be set up through Wi-Fi with an internet connection, not through USB. And even if you want to use USB after the initial setup, the printer will always require an internet connection at all times... This is the worst crap I'ever seen in my life fighting with bullshit DRMs.
HP here is literally just trying to shove their HP Instant Ink subscription down your throat as hard as they can, they aren't even selling a printer anymore but a piece of software. You buy a piece of hardware that you don't own since day-1 and that you must ask permission to use and that you can use only in the way HP wants. Things must have really gone wrong with the world if we came to this...
Please tell me if there's a workaround to use the printer offline or I'm just gonna return this.
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2023.05.30 22:48 monomoco Closing costs estimate
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2023.05.30 22:47 Slight-Anteater-8390 One Year, One Week old Tesla Model 3
https://instagram.com/p/Cs4YM80SDRt/ 1 year. 1 week. Owned Blastoise for 53 weeks and man… what an awesome experience. Took this car everywhere from Los Angeles (a couple of times), to Portland (countless times), to San Francisco, to Vancouver, BC, to Cascade mountains, to Ocean Shores, to Long Beach and daily driving, totaling 35,329 miles driven.
Was skeptical about electric vehicles, especially battery degeneration but so far, it seems like the battery is still very healthy.
How do I know it’s very healthy? With a small sample from today’s driving, drove 183 miles and the car consumed 38 kWh. With an efficiency of 207 Watt hour (Wh) per mile. Averaging 60 mph and outside temp about 70 F. Blastoise has a 75 kWh battery pack. Math breakdown: With an efficiency of 207 Wh/mi. 1 kWh = 4.831 miles. 75 kWh x 4.831 = 362 miles. On a good day, this car can still travel over 350 miles in one full charge. Now that’s amazing!
In larger sample size. Blastoise traveled 35,329 miles, averaging 239 watt hour per mile and consumed a total of 8,430 kWh. After driving all four season in various weather conditions and driving conditions, in one full charge, Blastoise can go about 313 miles. 45 miles less then an EPA range of 358 miles. Approximately 87% battery life remain. But that number is arbitrary. I expect during warmer months the efficiency will be better and the battery degradation will improve. All in all, this 2022 Tesla Model 3 is absolutely amazing!
Let’s talk about money saved compared to gas. My previous car was a 2010 Honda Civic.
In the past year, IF I drove the Civic 35,000 miles, it would have consumed 1,000 gallons of gasoline. I would have paid roughly $4,300 in gas. *(Civic mpg is about 35mpg, average gas price for the past year I’d say is ROUGHLY $4.30/gal)
Past year, I drove Blastoise about 35,329 miles consumed 8,430 kWh and it would have costed $917 in electricity IF I charged at home the whole time but I didn’t. Did some super charging on road trips, so I estimated $1,100 in total electricity cost counting both at home charging and super charging. *(Blastoise efficiency is 239 Wh, with an average electricity rate of .11 cents and super charging )
Saving me roughly $3,200. Also did no maintenance except adding windshield fluid and occasionally add air to the tires, which is free at Costco, and tire rotations, which is also free at discount tires. All in all savings of over $3,500!!!
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2023.05.30 22:46 Late_Lie1236 I'm considering colectomy because I can't fight anymore.....
Hello,I am from Poland (Europe) and I am 29.
I have been ill (UC/pancolitis) for 17 years now. The disease took away my growing up years, I mean my teenage years. It also took me away from the cool moments during my studies. Now it takes away my cool moments when I already have a wife and would like to start a family....
I have flares 2x per year, usually in spring and autumn. I have been taking non-stop for over 7 years:
- 150 mg of Azathoprinum
- 2 gram of Pentasa (granulate)
- vitamins/suplements
When I have a flare I need to take Budezonid (Cortiment). When I take it, it helps me, usually after two months I feel better.Then I have to stop, in the recommendations is to use only two months. Then it is that I start to feel again that there is something wrong with the intestines, but it is still possible to live comfrotely. But the condition of the intestines usually worsens two months after withdrawal. The condition is so bland. Until the next flare, usually after six months when I feel I need to take the steroid again.
So it's something like:
Jan/Feb/March (1-4 times to the toilet per day) April (I am starting have flare, 1-20 times to the toilet per day) May/June (I am on steroids, situation is better 1-3 times to the toiler ) July/August/September(without steroids, situation is getting worse 1-4 times to the toilet per day) October(I am starting have flare, 1-20 times to the toilet per day) Nov/Dec (I am on steroids, situation is better 1-3 times to the toiler)
It's something like a rollercoster, without normal month.... and it's repeating since 7 years. (It used to be even worse, but that's a topic for a separate discussion)
For the past 7 years, I have not had that to have a normal month, to forget about the disease, to live a normal life. As you have noticed it is a roller coaster.Unfortunately, biological treatment for people like me is not refunded in Poland.
(To make a long story short, the Polish public health service decided that I was too healthy to include my biological treatment and its costs)
I have been to the hospital for qualification for biological treatment. I was also given this steroid at that time. My bowel healed and I was told that I was too healthy to be refunded for this medication. (For your information, there is a special procedure in Poland that rules that a patient is sick enough for the health service to refund him for a biologic drug).
I cry every week because I'm just sad that I'm stuck in such a bland state, and the constant fluctuations of illness are killing my psycho.
I began to consider removing the colon. But is it too soon? I have never had biological treatment. What does it look like in other countries? Or are there special procedures just like in Poland, that you have to be very sick to get the drug refunded?
Thank you for your help
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2023.05.30 22:43 ahj3939 Just put in a cancellation request for Comcast Business: Worst company in America
We are getting ripped off on business account, sign a contract for better deal.
They say it will cost more to use our own modem. Total BS but I go with it. Then they send out a tech and replace out modem with theirs and charge us 1) the higher price + 2) the modem fee. Total scam.
Of course the sales rep NEVER responds after you sign a contract.
Then we move offices. I file FCC complaint against comcast. I get Sr. rep that understands the history. I say I want no games, internet only service with our modem.
OF COURSE THAT DOES NOT HAPPEN. We get our modem + $19.95 equipment fee. Equipment that was returned!
I call TO CANCEL they say no sir we will fix everything. Basically a lie, they issue 1 time $19.95 credit to the account but next month the fee is there.
COMCAST IS A JUST A BUNCH OF LYING CROOKS.
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2023.05.30 22:43 DeepElephant954 👀
Corporate price hikes get the side-eye as #greedflation trends, stoking the inflate debate
More heated than the “Succession” finale… the greedflation debate. With inflation still stubbornly high, some are pointing fingers at corporate profits. The idea, also dubbed profit-led inflation or “excuseflation,” is that some corporations hike prices beyond what's needed to cover rising costs — leaning on broad inflation and black-swan events (like: pandemic, war) as an excuse. In a recent survey of 2K US consumers, over half said they believe greedflation is happening “a lot.” They’re not alone.
Makin’ bank: European Central Bank economists said that businesses have been padding profits, which they argued was a bigger inflation driver than rising wages in the second half of last year.
Corporate profit margins hit a 70-year high last year as consumers stomached higher prices, and this year companies continued flexing their “pricing power.”
Not everyone's on team #greedflation… While some margin-padding may be happening, many economists say there’s little evidence that corporate profits are significant contributors to inflation. Last week, former Fed Chair Ben Bernanke and ex-IMF chief economist Olivier Blanchard released a study that pointed to Covid supply shocks (and the trillions in gov’t stimulus that followed) as the main causes of US pandemic-era inflation. Picture: fewer goods available + more $$ to buy them with. Last year, Treasury Secretary Yellen rejected the idea that corporate greed is driving inflation, pointing to good-old supply and demand as the main culprit. THE TAKEAWAY The “greedflation” debate is a symptom… of unusually resilient demand. US consumer spending jumped last month and inflation accelerated. Despite its aggressive interest-rate hikes, the Fed hasn’t been able to cool demand/inflation/the labor market nearly as fast as hoped. Without continued spending, prices wouldn’t have been able to stay so elevated. Resilient demand could be a result of extraordinary stimulus measures and years of near-zero rates that helped lead to historically low unemployment and rising wages. But some retailers are starting to see that consumers are tightening their budgets.
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2023.05.30 22:40 FractionPrism Is it worth it to do an advanced diploma?
Hey all,
Current Trainee-Electrical Engineer. I have a L5 in Computer systems & Networks, L6 In digital construction and first year in L6 Electronic engineering.
I do not have a bachelor’s, recently a co-worker suggested looking at work abroad (Canada, Australia)but that I would need a stronger qualification, he suggested a course in Electrical power distribution to Advanced diploma level (Equivalent to two college credit years) giving me a bachelors in engineering.
It will cost €7,500 or €430 monthly this is a considerable chunk of money ; is it worth it if I already have a good paying job.
I like the course outlines and want to push more education but is €430 a month for 1.8 months a good idea.
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EngineeringStudents [link] [comments]
2023.05.30 22:40 wolley_dratsum Did a deep dive into my finances today with my wife. Any advice from Bogleheads on how to move forward?
After months of suggesting to my wife that we should sit down and fix several "broken" things with our financial/retirement plan she agreed today was the day.
Here's the situation:
I am 50 and she is 41. Combined annual pay is $300,000-$350,000 depending on commissions and bonuses. (Last year it was $325,000)
We owe $411,000 on a 2.75% interest mortgage with 12 years left. We bought the house for $680,000 nine years ago and the Zestimate is currently $964,000. Great town, great schools in a HCOL area.
We have no debt other than the mortgage. We own a 10-year-old minivan that we bought with cash. My wife has a company car that we can use for personal transportation. We plan to keep the minivan hopefully for another 8-10 years.
I have $985,000 in a Vanguard IRA/Roth IRA 100% invested in VTSAX. My risk tolerance is "HODL forever diamond hands."
She has multiple 401ks, pensions, stock awards and an HSA totaling $828,000.
Each year she maxes out her 401k and HSA and I max out my Roth IRA.
We have $50,000 in 529 accounts with a crummy company for our two boys (ages 7 and 10) and contribute $200/month for each and pay loads and fees and it's just terrible.
We have $45,000 in a HYSA emergency fund with a credit union that pays 4% on the first $10,000 and 1% on the rest. Also not great.
We have $60,000 in checking.
We have a Schwab brokerage account with $81,000 invested 100% in VOO.
I wanted to do this deep dive so we can see where we are and come up with a plan to improve.
Here's what I want us to do:
- Rollover the crummy 529s to Vanguard and invest them maybe in VGSTX. I want to be somewhat fairly conservative with these accounts.
- Open a Vanguard IRA and Roth IRA for my wife so she can start maxing out the Roth, and go all in in VTSAX with it. If we did this we would be contributing about $40,000 annually toward retirement.
- Find a HYSA that pays better. I am considering Apple's new HYSA but open to suggestions.
- Have my wife roll over an old 401k with $700,000 in it to a Vanguard IRA. Struggling with how she should invest the money. In the 401k she is in a bunch of mostly low-cost index funds and bond funds.
Questions:
- What should we invest the kids' 529s in considering the short time horizon for this money? And should we be investing more toward their college?
- What HYSA account should we go with?
- What should my wife invest the $700,000 in in her Vanguard IRA? If it's up to me I'm saying 100% VTSAX but it's not up to me.
- Do you have any suggestions or questions based on this snapshot of our finances?
I should also say my one son is autistic and he may end up living with us forever and might not even use the 529. And my wife has MS and she may go downhill healthwise in later years, but she's good now.
Because of her MS we would like to retire early, me maybe at 60-62 and her at 51-53. I feel like that is doable but we'll see how it goes.
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2023.05.30 22:39 Slight-Anteater-8390 One Year, One Week old Model 3
https://instagram.com/p/Cs4YM80SDRt/ 1 year. 1 week. Owned Blastoise for 53 weeks and man… what an awesome experience. Took this car everywhere from Los Angeles (a couple of times), to Portland (countless times), to San Francisco, to Vancouver, BC, to Cascade mountains, to Ocean Shores, to Long Beach and daily driving, totaling 35,329 miles driven.
Was skeptical about electric vehicles, especially battery degeneration but so far, it seems like the battery is still very healthy.
How do I know it’s very healthy? With a small sample from today’s driving, drove 183 miles and the car consumed 38 kWh. With an efficiency of 207 Watt hour (Wh) per mile. Averaging 60 mph and outside temp about 70 F. Blastoise has a 75 kWh battery pack. Math breakdown: With an efficiency of 207 Wh/mi. 1 kWh = 4.831 miles. 75 kWh x 4.831 = 362 miles. On a good day, this car can still travel over 350 miles in one full charge. Now that’s amazing!
In larger sample size. Blastoise traveled 35,329 miles, averaging 239 watt hour per mile and consumed a total of 8,430 kWh. After driving all four season in various weather conditions and driving conditions, in one full charge, Blastoise can go about 313 miles. 45 miles less then an EPA range of 358 miles. Approximately 87% battery life remain. But that number is arbitrary. I expect during warmer months the efficiency will be better and the battery degradation will improve. All in all, this 2022 Tesla Model 3 is absolutely amazing!
Let’s talk about money saved compared to gas. My previous car was a 2010 Honda Civic.
In the past year, IF I drove the Civic 35,000 miles, it would have consumed 1,000 gallons of gasoline. I would have paid roughly $4,300 in gas. *(Civic mpg is about 35mpg, average gas price for the past year I’d say is ROUGHLY $4.30/gal)
Past year, I drove Blastoise about 35,329 miles consumed 8,430 kWh and it would have costed $917 in electricity IF I charged at home the whole time but I didn’t. Did some super charging on road trips, so I estimated $1,100 in total electricity cost counting both at home charging and super charging. *(Blastoise efficiency is 239 Wh, with an average electricity rate of .11 cents and super charging )
Saving me roughly $3,200. Also did no maintenance except adding windshield fluid and occasionally add air to the tires, which is free at Costco, and tire rotations, which is also free at discount tires. All in all savings of over $3,500!!!
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Slight-Anteater-8390 to
TeslaModel3 [link] [comments]
2023.05.30 22:35 imhere2913 Threatened with a 3 months notice over a stupid argument. This 3 month notice could greatly impact my life.
My partner is threatening me by sending a 3 months notice on the flat we rent together. This is due to me saying I am too busy to take photos for him, to which he responded in a very entitled way that annoyed me. This very childish back and forth fight led to him very suddenly saying that because of what "I've done" he's sending a 3 months notice.
Last year he found our current flat on Rightmove, he strongly persuaded me to move in with him as it is affordable and meant we could live very close to where we work. The flat is part of an intermediate housing scheme helping people live close to where they work. I am a 15 minute walk away from my work, outside of the practicalities I really love where I live.
He has mentioned wanting to move to another country for some time. He is currently in discussion with his work about working remotely. He has been very vague on how I fit in this, one thing he mentioned is that he’ll continue to contribute to the rent so it doesn't mean I have to lose the flat.
But in moments when he has been unhappy about something I have or haven't done, he's often blamed me for being the reason he's still in the UK. He claims that I am a liability to him, that I have been preventing him from moving abroad, and I am the reason he is stuck, depressed and angry.
After what I thought was a silly argument he’s claiming I'm to blame for us agreeing to sign a contract to this flat.
The agreement was entirely mutual, and he strongly pushed for us to secure a 5 year contract on this flat. Prior to this, I had suggested many times that we should move to separate places knowing how much he wants to move to another country, but he strongly expressed how much he wanted me to live with him and rent this flat together.
I'm very worried about the impact this can have on my life, especially financially. I am not on a high wage, I am trying to live in London during a cost of living crisis. Renting the flat I am in now saves a fortune on travel costs as I'm walking distance from work, I won't be able to afford this place alone and I don't know how I'd find somewhere else in 3 months. I have an art project coming up over the next 3 months that can be life-changing, but I also can't drop this project because I'm in agreement with them. Trying to relocate to a new flat and the financial impact of this could mean I'd lose this project, it would be an opportunity I could never get again, and it could be up to £8000 I owe the company for not being able to stick to my promise on completing this art project.
I really hope I can get help! Instead of me responding to the company of this art project I am writing a draft letter to citizens advice and on here for help. He has already got in the way of one of the most important things to happen in my life, if not the most important thing.
This could ruin my life, and it's over a very pathetic argument.
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