So today I found an at-home mechanic in Texas whose wife was going to charge me $100 to replace a wire and switch my battery for a new one since it was under warranty. Come to find out when I get there they want $250 for their "service" which was basically a power wash and replaced a bolt. I call their bs that its the original wire and battery and things escalate, since I won't pay, to them calling the cops. A single cop arrives fast on the scene and basically takes their side saying there is no way since its word of mouth they can charge whatever "service fee" they want. Even though she stated in her side that she would only charge me $100 for the two pieces of work that she never did but still fixed the underlying battery issue. The cop even goes as far as to say they are good people who do good for their community and that he can see that their was work done ( from it being dirty to clean? but he also said he wasn't a mechanic and couldnt tell if my battery was new or not?) He hands me a case number. To avoid a hold on my car I pay their amount and now start a recording with her in it. I first record her giving the money and asking what warranty I have. She initially says she will cover anything her husband worked on for an unlimited amount of days and so I ask "What did he work on?" She first starts off by saying replacing the wire so I state let us go see the work he did so I can record it. Once she hears I am recording she flips by first saying I only get a 5 day warranty, to then I get no warranty and she revokes it. She continues cursing at me to leave her driveway and I go.
I would love to know if there is anything I can do in this situation, I currently have: -A faceless video of her agreeing to do the work cable and battery (Ik dumb should have recorded) -Some faceless videos of the cop telling me her side -A full body video of her taking the money, all the warranty stuff, and telling me to leave and that she will block my number. -A case number card -Some texts about the car and that I can get a receipt for the work.
I was thinking of texting tomorrow for a receipt of the amount and the work done on the car but do not know where to go from here.

Hey folks,
I've been driving my trusty 2018 Nissan Xtrail for six years now and, well, we've reached that stage in our relationship where it's starting to feel like we need a trial separation. Here are the deets on my soon-to-be ex-ride:

• 103,000 kms: Think of it as a well-traveled companion, not unlike that friend who’s always jet-setting but never seems to age.
• Always serviced at Nissan: Because this car is like that kid who only eats organic.
• One minor accident: Some careless driver decided to give it a little love tap from the back. It got one panel repainted, but trust me, it's still in better shape than me after leg day.
• Never taken offroad: This baby has seen more pavement than a marathon runner.
• Polished annually: This car is shinier than any silverware.
• Always parked in the shade: Like a vampire, it avoids the sun at all costs.

Extras I’ve added:

• Roof rails: For the adventurous type who might actually use them.
• 10-inch screen with Apple CarPlay: Because who doesn’t want their car to be smarter than they are?
• Fog lights: For those dramatic entrances.
• Seat covers: So you can pretend it's a whole new car. But the covers are old now and the seat inside is still as good as new.
• Dash camera: To catch all those unexpected moments.
• Tint: Because mystery is alluring.

I'm planning to sell because, honestly, driving the same car for six years feels like eating the same cereal every morning—time for a change! So, how much should I ask for this polished, pampered, and partially-repainted beauty?
Thanks for the help!

they want a receipt for cleaning service. I can't drive with puke in my car. how much do they pay if you clean ithe you self. with ubers response thus far, i'm considering it being my last ride. lyft paid me 250$ the last time within like 5 minutes

I have a land which I paid £136,500 approx 3 years ago in Lewisham. I got planning permission for a 2 bed house with a car parking in the garden.
How would you calculate the selling price?
I got an offer from an estate agent for £135,000 but in my mind I'd be looking £200+

I have seen that for 10 years, the most selling car was Volkswagen up, and then in 2023, Tesla took over. How did this happen? Is it related to taxes being lower on Tesla? I tried to google it but my Danish is not good enough to do a proper research on the topic.

I found a site bitcars eu ... They claim they can sell luxury cars for bitcoins... I've decided to check this out. I contacted them TWICE in longer time period and claimed that i was insterested in some of their cars... Nobody never even responded to me... Is everything related to buttcoin fake ?

*Sorry for mobile user. Jusr needed to get this out.
I have a woman owned LLC that provides sales and services in the fire safety sector. Reseller's permit and business license are in order. I have an amazing work van that's all setup with equipment. I have a customer base.
The only thing missing is my physical health. This past month I've been through a lung infection and blood clot. I need to heal and I'm worried I will lose this.
I have a nice apartmentb, 2 very lovely cats and a home office (taxes) It's all I need for a fulfilling family I have. I'm not doing well physically. I'm selling my commuter car to keep the work van and bills paid that will only be a stop gap for a month or two. This business is everything to me and I just would love to have someone who understands how to guide me to not lose everything I worked for. Maybe help understand the best loans?! I really need help and appreciate any wisdom you might have.
Thanks for reading. J

https://libriincogniti.wordpress.com/2021/02/25/kommunistisches-programm-national-revolution-and-downfall-of-cambodia/

The Events after the Fall of Phnom Penh and the Programme of Khieu Samphan, the Peasantry and the Enablers of Capital
With the end of the Indochina war in 1975, not much remained of Cambodia’s economy either. More than half of the rice fields lay fallow, and the few industrial enterprises, the port facilities in Kampong Som, the railway lines and the bridges had been destroyed by US bombs. Although the figures are not unambiguous, their magnitude alone shows what heavy blood sacrifice imperialism also demanded of this people: In the five years of war, around 800,000 people were killed, more than 40,000 were maimed, almost 200,000 were wounded.
The constant flow of refugees inflated the capital from its original population of around 600,000 to over 3 million, meaning that by the end of the war almost half of the Khmer people were crammed into their metropolis. As is well known, the imperialist world press howled in horror and disgust when it learned of the forced exodus of this human aggregation. The US bombardment drove people from the countryside into the cities – the revolutionary nationalists had to force them back. Both actions were cruel and devastating for those affected, because both times they happened under terrible conditions, the first time under the imperialist hail of bombs and the coercion of its local police, the second time under the pressure of hunger and the state coercion of the newly installed revolutionary patriotic power. But for the imperialist propaganda machine there were no connections here. Of course, it only saw the terror of the Khmer Rouge, so supposedly of Communism. Here again was a wonderful opportunity to play out the bourgeois farce of humanism and love of one’s neighbour to the full. No mention of the mass murders in the imperialist war against the Southeast Asian peoples, no mention of the unspeakable destruction of these only weakly industrialised agrarian societies. These sacrifices were noticed at most when the insane war spending of the USA threatened to drag the entire imperialist West into the vortex of economic problems as a result of the currency crises caused by it. After all, to this day, these gentlemen are consistently proud of their efforts to preserve “freedom”.
Cambodia became the main object of these friends of mankind over the next few years. Here, indeed, all cherished values and conceptions were thrown overboard. A state without money, without postal services, without cars and motorbikes, without public transport, without telephones, television, books and the cities extinct. Only “communists” could have committed this crime; as is well known, they can be trusted with anything inhumane and in Cambodia they truly acted as the incarnation of “darkness” and “evil”. What was perpetrated before in the name of the heroes of “light” and “reason” – not a word about that, of course. It was a central organ of the imperialist offensive on the human intellect – Reader’s Digest – that first announced in 1977 that at least 1.2 million people had been murdered in the two years since the fall of Phnom Penh. Ever new figures were quickly added, which journalists claimed to have learned from the numerous refugees. It is not necessary to assume that all these reports were forgeries, because in fact the Khmer Rouge set an extremely radical course from the beginning, which certainly brought much horror, misery and also deaths. But today’s sated imperialists should perhaps sometimes look at the history books: What misery, what terror, what torment against the population is archived there – and that over centuries. The French Revolution also produced at least 100,000 deaths in the most important four years – and it did so with a machine specially designed for the purpose. It was not by chance that it was the steam engine and the guillotine that inaugurated the industrial age in a revolutionary way. But do the distinguished British gentlemen, who even then scoffed at these butchers in Paris, have fewer lives on their consciences? Those who still don’t know have to have it written on their cheat sheets all the time: The establishment of bourgeois rule has always been brutal and extremely bloody. The destruction of the traditional smallholder form of economy, the annihilation of small-scale trade and crafts always passed over those affected like a merciless steamroller. And under unspeakable tortures, the majority of these people who were expropriated without compensation were pressed into the factories and, if necessary, forced by brutal violence to slave as many hours of their day as possible for the lowest possible wages. All that was not so long ago. But it is always amusing how hastily today’s representatives of capital pretend that these are youthful sins of foreign predecessors. And this process of constant dressing for factory labour, of the destruction of both man and nature, continues both in depth and in breadth. It will only come to an end when this capitalist basis has been revolutionarily annihilated because of the contradictions it constantly produces.
...
However, if one wants to understand the “mysterious” processes in Cambodia, one has to be clear above all about the material and social conditions. A devastated country that was still largely worked by small peasants; a chaotically bloated capital city to which the majority of these same peasants had fled. The terror of the bombs had charged this population, once peaceful and living in the eternal grind of farm labour, with fear, but above all with unbridled rage and blind hatred. Hatred against the city in which they had to take refuge, anger against the American bombers which destroyed their existence, but particularly anger against their own corrupt aristocracy, the military as well as the city dwellers in general who sought to prolong their raison d’être by making a pact with imperialism. Now the old mixture of foreignness, subservient spirit and unease found its general discharge in a primal hatred of the rural population for their oppressors in the cities. A frenzy of revenge arose, which certainly accounted for most of the brutalities in the first year of liberation.
In order to understand this social side of this revolution in Cambodia, which gave it the ferocious expression of blood, revenge and chaos that one encounters in practically every revolution carried out mainly by peasants, one must always bear in mind the social structure already described. The strong urban-rural divide was not between agriculture and industry – the latter was practically non-existent – but it was the extreme contrast between agriculture and all the ominous trades that bourgeois statistics usually classify under the heading of “services”. Here, actually “unproductive” administration and trade – moreover, predominantly created and nourished in the service of imperialism – and “productive” agriculture faced each other. Of the “peace population” in Phnom Penh of about 600,000, this included about 200,000 Vietnamese and over 100,000 Chinese, out of a total of about 800,000. So the Cambodians did not even make up the majority of the population in their capital. Aristocracy and officials on one side, poor peasants on the other, too poor to make a living in the countryside, coming to the city because they hoped for a job, or later bombed into it. Cambodians were almost completely excluded from the trade and merchant sectors. These sectors were mainly in the hands of the Chinese and Vietnamese.
In this approaching whirlwind of social unrest on the part of the peasants, which is growing in strength, another social force tries for its survival. Young intellectuals, most of them educated in Paris, the educational centre of the former colonial ruler, want to break the corrupt tangle of local aristocracy and foreign power by force. Without any reservoir in the own ranks of the urban bourgeoisie, for the latter is practically non-existent and if it is, then hardly to be enthused for nationalist accumulation programmes with a more rigorous cut; without a proper bourgeois class, these petty-bourgeois radicals lead a practically hopeless struggle for change. Forced very soon into the rural underground by Sihanouk’s authoritarian regime, they try to implement their programme of industrialisation based on agriculture with the help of the only social class that counts – namely the rural population, the small peasants and farm workers.
...
One simply has to quote these illuminating passages of the Khmer Rouge’s “chief ideologist” at length, because after all the imperialist wailing, one probably does not think it possible that these “monsters” can think at all. (A Trotskyist group, persistent in its obtuseness, even opined that these “monsters” were the embodiment of… a return to feudalism!) One thing is immediately quite clear: these petty-bourgeois intellectuals, widely referred to as Marxists, communists, etc., are never ever in the tradition of the “German” Karl Marx, but of the German Friedrich List, who, under the slogan “Freedom is the goal, limitation is the necessity”, set his protectionist credo against the imperialist ideology of the free traders in the last century. The Khmer Rouge leaders are thus spiritual sons of the ancestors of today’s imperialists, those imperialists who now see in them the personified devil of communism, although they only wanted to be flesh of their flesh.
These views of Samphan and thus the leaders of the Khmer Rouge were also quoted at length because they are so popular today. In the face of the growing exploitation of the countries of the so-called Third World by Western imperialism, theories are emerging everywhere that vehemently propose the same position of “cutting off” the “underdeveloped” countries from the dominance of the world market ruled by Western capital as a panacea. And it is certainly no coincidence that one of the main representatives of these academic “revolutionaries”, the Egyptian Samir Amin, raves about the radicalism of the Khmer Rouge even after their expulsion and predicts a chain of new “Kampucheas” for the African future. Against the massive reality of the increasing internationalisation of capital and the growing global control of Western and increasingly Eastern imperialism, such “progressive” petty-bourgeois theorists place their faith in autarky, national accumulation and so-called autocentric development. Against the capitalist propaganda of progress and prosperity through freedom of trade and capital investment, which in reality in fact produces nothing but growing pauperisation and exploitation, the Good News on the other side says: Only if one can free oneself from imperialism at least for as long as it takes to be able to develop one’s productive forces independently, only then will one achieve prosperity and security for humanity.
In this respect, both sides represent only two sides of the same coin. Both claim to be able to achieve “the greatest happiness for the greatest number” within the framework of and through capitalism – as the forefather of these bourgeois tendencies, Adam Smith, already formulated this elementary lie of capital.
...
The utopians of capital have to acknowledge time and again that, contrary to their proclamations, the social antagonisms both within the “developed” and “underdeveloped” countries and between these countries are becoming increasingly acute. And while capitalism is pushing the development of the productive forces ever more sharply in order to satisfy its insatiable hunger for surplus value, it is precisely because of this highly productive technology that it is less and less able to transform the pauperised masses into active proletarians, i.e. to force them to the machines or into the office. While the imperialists, in their frenzied mania for surplus value, are at least throwing the whole world into growing unrest and undermining ancestral immobile relations ever more thoroughly, the heralds of an apparently radical autarky are causing nothing but confusion in the ranks of the pauperising masses. They talk of economic independence, stable economic cycles and adapted technology – all concepts that really bring out their illusionist anachronism.
And to see Cambodia of all places as a concrete approach or even an example for the feasibility of such utopias seems almost tragicomic in view of the results that are now available. But it is also a total misreading of the factual development under the Pol Pot government. Demonisation and idealisation of the Khmer Rouge have the same basis. They assume that the measures taken after the conquest of power in Cambodia were deliberate and planned. One side sees only the terror and coercive measures with which the leaders, supported by relatively small armed forces, tried to get a grip on a witch’s cauldron of panic and violence and to escape the total catastrophe of starvation – and the chaos that would ensue in turn. They see this terror and these coercive measures as completely detached from the economic and social emergency. The others confuse the factual state of extreme social backwardness in Cambodia and the emergency measures taken with an economic and social programme.
...
We have outlined the devastating situation in Cambodia shortly before the moment of liberation. However broad and deep the peasant unrest in the countryside may have been at the time, it must be remembered that a large proportion of these peasants stayed in the capital out of necessity during the main phase of the fighting. In any case, the Khmer Rouge, hardly more than 70,000 men anyway, fought for a long time mainly in the sparsely populated outskirts of Cambodia.
When the Khmer Rouge troops approached the capital in 1975 – likely with only about 20,000 men – it soon became clear that it was imperative to deal radically with this hopelessly bloated big head. Estimates vary, but it can be assumed that of the 7-8 million Cambodians, at least 2.5, but probably over 3 million were crammed into the capital (“peace population” as mentioned 600,000). With the severing of the umbilical cord to imperialism, Phnom Penh was up in the air as its former bridgehead. There was no possibility whatsoever to control or even feed this veritable hell of collaborators and starving refugee masses. The general shortage of rice had driven prices to dizzying heights: from 10 riel per kilo in December 1971 to 125 riel in December 1973 and on to 300 riel in early 1975, reaching a record 340 riel in mid-February. The retreat of the imperialists and the advance of the Khmer Rouge must have acted as a double signal: On the one hand, to storm against the hated parasites and the urbanites in general, on the other hand, to return to the countryside in chaos. The Khmer Rouge had to evacuate the city and channel the returning flow to avoid a total catastrophe. The fact that the displaced people left a wide trail of blood behind them on their way out of the city (for the time of the Khmer Rouge government, there is consistent talk of at least 1 million deaths) was unavoidable under the given conditions. It is significant that the majority of the massacres affected the urban population and certain national minorities: precisely intellectuals, military officers of the old Lon Nol regime, Sihanoukists, capitalists, merchants etc., and apart from the Cham (Muslims) almost exclusively the Vietnamese and Chinese minorities, whose social situation we have already pointed out.
Whether it was spontaneous peasant terror or executions organised by the Khmer Rouge, it was partly revolutionary violence against the supporters of the old regime, which as such does not speak against but for the Khmer Rouge, and partly pogroms, which the leaders at most accepted and tried to direct in the interests of the state monopoly on the use of force. But it is not so important whether the Khmer Rouge leaders had to accept or order these massacres. What is decisive is that they were forced by material development to eliminate or to have eliminated precisely those strata on which they wanted to rely. This, together with the evacuation of the cities, deprived them of any social support other than the peasantry. Thus they were at the mercy of this peasantry, which had to be disciplined for the actualisation of their “programme”. The conflict with it was therefore programmed for the time after the famine had been averted.
...
After the worst of the chaos had been overcome, it was attempted to use these structures, which had prevailed in a rather primitive way during the hunger phase, for one’s “industrialisation programme” by maintaining and further intensifying collectivisation. Necessity was to become a capitalist virtue. The complete lack of such “civilisational” achievements as the intercourse of money and commodities was supposed to make for an ideal, indeed classic, “truck system”, i.e. payment in kind alone. The peasants were forced into ever new production battles, because now surpluses were to be produced for export – i.e. for exchange with foreign means of production – which indeed happened and animated the leaders even further. The general command was under the iron slogan: “Work hard and try to achieve maximum results with a minimum of investment”, and the focus was on absolute labour effort.
...
Once a sufficient level of production had been restored, however, the whole construction was bound to collapse completely sooner rather than later. Anyone who has even a pale inkling of the travails of the infamous Stalinist collectivisation in Russia – and the Russian state was on an incomparably higher social level and had quite different means of power at its disposal – can easily imagine how the intellectual would-be enablers of capitalism in Cambodia, then practically hanging in the air, would have to perish in an orgy of violence – unless, with the help of a foreign power, they could get a grip on the chaos and create more stable conditions through a series of concessions to the peasantry. Most likely, however, they would be finished even then, like a man trying to hold on as long as possible to a wildly thrashing bull and then falling to the ground exhausted. In any case, the arena crowd was already eagerly awaiting the outcome of the tragedy.
...
Sovereignty, neutrality, non-alignment – this credo runs through all declarations as a complement to “autarky”. But already in the face of the first offensive by the Vietnamese, it must have slowly become clear to the Khmer Rouge leaders that these fine words could only have one meaning in our unpleasant world, namely to place themselves under the protection of the People’s Republic of China. In Pol Pot’s interview, which we have just quoted, a strange acronym appears: CPK. This means “Communist Party of Kampuchea”. And yet, to the boundless amazement of bourgeois commentators, the Khmer Rouge had never tried to dress up their declarations or their constitution with Marxist or pseudo-Marxist vocabulary – which is certainly very sympathetic to us. On the contrary, they have displayed an obvious and pedantic aversion to these concepts. Neither “vanguard of the proletariat” or “communist party” nor “proletarian internationalism”, neither “classless society” nor “dictatorship of the proletariat”, but also not “new democratic revolution”, “mass line”, “creation of a new man”, “peaceful coexistence” etc. etc. had ever been spoken of. If similar contents had to be expressed, they were paraphrased with other words. But this did not happen because the Pol Pot folks would have been particularly honest and wanted to do us Marxists a favour. This happened because in their dogged nationalism they wanted to distance themselves clearly from their neighbours Vietnam, but also China, who professed to be “socialist”. The national character of all these revolutions and states, the national character of their confrontations and of their whole politics is expressed even in the fact that the weakest link feels compelled by the instinct of self-preservation to dispense with the “Marxist” or “socialist” cloak for the capitalist programme! This is what “socialism in one country” has come to! And the adoption of the “Marxist” “vocabulary” here is a sign of the surrender of the so sacred national sovereignty. If, as already mentioned, no announcement had ever mentioned a party or revolutionary phases (there was always talk of a “revolutionary organisation” and even of “Angkor traditions”), Pol Pot told his astonished people and all those who wanted to know the following story on 27 September 1977: the CPK had already existed in Cambodia since 30 September 1960 and had achieved this miracle of a national-democratic revolution. He told it the day before he left for Beijing, on which, fighting a losing battle against the Vietnamese, he has been completely dependent ever since.
As a “plaything of foreign powers”, the nationalist intellectuals of Cambodia perished. The peasantry, largely decimated under the pressure of the imperialist frenzy and its consequences, as now under the pressure of Vietnam’s national expansion, is an example of the fate that capitalist society reserves for small and weak peoples in its emergence and development. To such peoples the proletariat alone would and will secure the right of self-determination, because unlike the bourgeoisie it does not seek national privileges but wants to abolish them, because unlike the bourgeoisie it can create voluntary union, because unlike the bourgeoisie it liberates itself not by exploiting others but by abolishing all exploitation.

I m43 hunted down my son m24 for stealing and crashing my hummer h1, I didn't know it was him because it was so nonchalant like it was natural taking it so I assumed it was someone experienced. The police were of little help so I hired a private detective to find out who it was. After a while he couldn't find anything but a name of a social media handle ''UscuDrift'' that and that name sounded familiar and I realized the truth because it was the social media handle my son's friend who has a lengthy record. I was so angry it felt like I was internally fuming I was so mad I smacked off my wife's car door mirror on the way home. I called my wife immediately after and she kept telling me I needed to be sure I wanted to do this and I calmed down a little bit before apologizing to my wife and went to immediately find my son, he disappeared and I kept trying to find him. Eventually I found him and I was more happy he was okay than angry he stole my car. I tried teaching him better ways to earn money than to steal and try to sell but he immediately shrugs me off and has stopped staying here and ignores calls, texts any sort of contact. I haven't done anything criminally but should I? Hes disappeared.
It's also worth mentioning I'm 43 and have cancer as a result of being an agent orange baby. I'm fighting as much as I can as long as I can but the doctor said 2 years at maximum
Edit: it's not about the money or the value for me it's about the principal. I've always been self sufficient.

Hi!
I really don’t know where to start with this one. It’s definitely going to be a long post as I don’t want to miss on any potentially crucial detail, hence apologies for posting something this long.
Here’s my best attempt at summarizing what happened without losing on any detail (feel free to ask for clarification if anything isn’t clear):

• I bought a proxmark3 rdv4 as part of a kit which also comes with several of its accessories from an online website selling these kinds of things.
• When I received it, I noticed several smudges on the device itself and the cards that came with it where scratched up to severely, which immediately alarmed me but I really tried to brush it off to just being caused by the manufacturing process.
• Three days after first receiving it, it completely died on me during usage. And showed no signs of life whatsoever.
• Naturally contacted the online website’s support and explained the situation, and they responded asking me to try some troubleshooting steps to try to isolate the issue and potentially fix it remotely, all of which didn’t work.
• Hence they offered to look into it themselves by having me send it back to them.
• However, I insisted on returning the full kit back for a full refund as it is no longer fit for purpose due to both being defective and the fact that I wouldn’t trust a replacement either to not fail the same way now that I experienced this. And since this was 3 days since receiving it, and even 4 days since placing the purchase, it was well within the 14 days period the Consumer Rights Act 2015 allows for. Hence I asked them to just return the full kit for a full refund instead.
• Yet they (or shoud I say he as it turns out this “company” is actually just one person) refused and said since I now opened it I am no longer eligible for a refund and kept insisting that sending it back for repaireplacement was my only option. (Which is nonsense as how was I supposed to even know it was defective if I didn’t open it!!!). They even went as far as stating their ToS also states that defective items aren’t eligible for a refund even if they are within the 14 day period (which is also nonsense as even their own ToS states that you can return faulty items for a full refund within 14 days. And either way the Consumer Rights Act 2015 gives me this right regardless of what their ToS say).
• Then things started getting even more suspicious with this sellecompany. They started ignoring my emails stating my rights under the Consumer Rights Act 2015, and just resending the same email asking me if I accept to return it for a repair or replacement. Obviously I was not going to say yes as then they will use that against me and say I accepted to not get a refund but have it replaced instead.
• So having paid by PayPal, it seemed straightforward. Just open up a dispute, explain the situation clearly and upload evidence. Which is exactly what I did.
• Then through the PayPal disputes seller-buyer chat you get when first opening a dispute to try to sort things out together first, the seller again insisted on this whole ToS nonsense and then asked for the item back and provided a returns address but wouldn’t provide a returns label unless I accepted not to get a refund (again, not going to say yes to that). So what I did was instead return it under my own dime through Royal Mail Special Guarantee so there’s clear evidence. And uploaded the tracking details to the dispute.
• Item gets delivered with proof of delivery and a signature and everything (because I thankfully decided to send it special guarantee), yet the seller kept asking for it back and not acknowledging that it’s already been delivered. (Even more suspicious!).
• And when I clearly stated even the tracking showing proof of delivery and everything, suddenly the story changed and the seller now has it back… and then things got even more interesting.
• The seller went above and beyond straight up making false statements claiming I damaged and modified the item (which I didn’t do). And the funny thing is, not only is what he was saying contradicting with the manufacturer’s own instructions, but his false allegations even contradict themselves! For example, he said the device outer cover is sealed and that I broke the seal and forced the cover open against the manufacturer’s usage instructions. Yet then claimed the tool which is INCLUDED in the box by the manufacturer specifically to open the casing showed signs of usage. Anyone with a brain without even knowing a thing about the device would instantly realize: Why would the manufacturer seal a device and not condone opening it yet include a tool specifically to do exactly that? And to add to that, the reason why you would open the outer casing is to access a SIM slot under there, which you then plug an also INCLUDED SIM-SAM adapter to that slot to use it… hence again, why would the manufacturer include an adapter in the box which can’t even be used without opening the plastic cover. And mind you all of these are part of the main device box, these aren’t the additional accessories that also came with the kit. Hence none of these could have possibly been aftermarket things not recommended by the manufacturer. See how even someone who doesn’t know anything about the device can instantly tell how these allegations conflict with each other? And to add to that, the seller also claimed that I admitted that I flashed aftermarket software to the device and that the device failed immediately after, and pointed towards one of my emails who he previously claimed he never received (again! Super obvious lie!). Yet that wasn’t what I even said, I said that I updated it to the latest version exactly as the manufacturer getting started docs instruct you to, and it was working fine (hence the failure did not occur after the update!) and the failure only happened 3 days later while I was just reading one of the included NFC cards (yes, one of the ones scratched). Hence again, more clear lies.
• So at that point I clearly explained exactly how his lies conflict each other and conflict with the manufacturer instructions and supplied proof as well with manufacturer documentation and the full terminal log showing all of the things I did and commands I ran with the device, and escalated the claim for PayPal to review.
• PayPal despite saying they will provide a verdict in 5 days, took weeks and them suddenly asked me to provide a police report. Yet when contacting the local police they said they don’t deal with these kind of things (which I expected), so now I am being asked for something that the police don’t even provide. Gave the PayPal customer service a call and explained that… and they rudely just kept repeating that I have to provide that or else my case will be closed in the seller’s favor.
• After looking around I found the action fraud website so reported the incident there and thankfully the report letter you get after submitting mentions it being a police service, hence that would definitely work. So I went ahead and supplied that to the dispute and again it said they will provide a verdict within 5 days. This time they took even longer than last time and after keeping me on my toes for possibly a month+ they just simply rejected the claim saying I modified/damaged the item effectively blindly siding with the seller despite the clear lies and despite the clear explanation and evidence I supplied showing that.
• So I appealed the decision and this time re-wrote the full explanation and evidence in case it wasn’t clear the first time and emphasized everything and made sure it was super clear with numbered bullet points and everything. Yet again they took their time and kept me waiting for weeks, eventually rejecting the appeal too for the same reason. (Clearly they couldn’t be bothered to even read a work I said nor even use any brain cells to see how obvious the lies are from the seller).
• Once your appeal gets rejected then there’s no way to re-open the dispute anymore nor create a new one. So rang the PayPal support again and explained the situation and after the agent looked at the dispute even he agreed that the sellers lies were as clear as day and that my explanation and evidence further proves that, and was confused as to why it got rejected. So he said he will escalate to their head office and I should receive a response in 3 working days. And I immediately asked him: They rejected it twice already and blindly sided with the seller, wouldn’t they just do the same? And he assured me that the head office is a different team from the team that handled the dispute.
• Over 2 weeks later… and I still haven’t heard back from anyone. So I gave them another ring. This time the agent that I got straight up started blaming me for “modifying” the item and saying the same nonsense and after straight up going over how all of them are lies (the same way I went over that twice already in my dispute and appeal, but this time I could actually say it verbally in real time to him as it was a phone call), he kept coming up with random nonsense excuses like saying PayPal disputes don’t handle defective items (which is nonsense) and then also went on saying that since the failure occurred 3 days after and not immediately it’s also not covered (again, nonsense), so I reminded him of my rights under the Consumer Rights Act 2015 and he went on saying but that’s not what they PayPal ToS says, and I also reminded him of the signs of usage I also clearly mentioned in the dispute and appeal hence even the item wasn’t as described as it was advertised as new (which in itself entitles me to a full refund even if the device hadn’t failed) and I straight up told him PayPal operates in the UK and all UK laws apply to them and they can’t legally deny my rights regardless of what their ToS says (and by the way, nowhere in the ToS either was it saying anything this guy was claiming). So regardless of what I kept saying he just kept coming up with excuses and nonsense so I knew that phone call was going nowhere. He even went as far as saying that I should resolve this with the seller directly (AS IF I HAVENT BEEN TRYING TO DO THAT FROM THE BEGINNING TO NO AVAIL WHICH IS WHY I HAD TO FILE A DISPUTE IN THE FIRST PLACE!!!).
• At that point I had reached a dead end as the seller wasn’t cooperating, PayPal was blindly siding with him regardless of what I did, and to top this off and I couldn’t even file a dispute with my bank as I had used my card from my home country, and apparently when I spoke to them they said they don’t even file disputes unless the item simply hasn’t arrived (which in itself is just stupid on top of all of the stupidity I have faced so far).
• So now I was out £509.99 for the kit, plus the £7.65 I paid out of pocket for postage to return it (which honestly I could have written off if I would have at least gotten the money for the kit refunded), and now I don’t even have the device nor the whole kit as that’s been returned to the seller. So I am out both the money and the kit. And the seller gets to keep the whole kit and probably scam someone else with it as well, plus gets to keep the money.
• So I now filed a case with the financial ombudsman as it been wayyyyyyyyyyyy over 8 weeks and PayPal still hasn’t resolved this nor even wants to (thankfully didn’t need a final response letter due to how long it’s taken otherwise that in itself would have been a nightmare to try to get from PayPal judging by my experience with them so far). But I am honestly not hopeful at all as I have never my life ever won an ombudsman case, as they always blindly side with the company (yes, the same way PayPal blindly sided with the seller), hence no wonder companies confidently refer you to them because they know you probably won’t win.

Hence all of that being said, what are my options now? I am guessing probably small claims court, but if I lose that too then I will also be out the fees for that on top of the already massive losses. Plus I am an international student hence won’t be in the UK over the summer and my schedule during the academic year might not give me time to attend the hearing. Plus I can’t speak legalese and I am generally terrible at communicating on the spot due to my ADHD, hence that also won’t be in my favor. And I can’t afford to have someone represent me either.
I am really sorry if I am sounding super negative, I just really don’t know how to handle this, especially considering how much money I lost now which in itself has been a nightmare.
Any advice would greatly be appreciated whether here or through DMs (my DMs are open if you don’t feel comfortable sharing advice here).
Thanks!

Hi, I am selling my Blue Lighting and White Outline Killbred hoodie from the X drop this January for AU $270 each (US $179). They're both a size S and I am selling them due to being too big. Please dm me if you are interested and any other questions. I also have all receipts for proof of purchase if needed. Shipping depends on where you live but if you are from Australia I can already tell you it is $20.

Hello!
Need this gone ASAP! :) After failing to sell locally, I am deciding to ship it out. In this bundle includes:

• PS5 Disk (With Box) - Good Condition, a little dusty as it hasn't been used much recently. I can provide the original purchase receipt from Target. I think I got this like 3 days after release in 2020. The PS5 has a DBRAND skin applied to the middle to give it a panda effect. Comes with controller. \*PLEASE NOTE: THE HDMI CABLE AND CONTROLLER USBC CHARGER WILL NOT BE OEM. I fished the HDMI through the wall and it would be a pain to take out lol but it does come with the stand and all other accessories/box.
  
• DBRAND Dark Plates 1.0 - A little Scuffed up - I did my best to show the condition in the timestamps. I can take a video if you'd like. Includes the box. The original white PS5 Covers are included as well.
  
• WDBLACK SN850 NVMe SSD 1TB with Heatsink - Comes installed with the PS5.
  
• Monzlteck Under Desk Holder for PS5
  
• TotalMount PS5 Wall Mount (No Controller Holders)
  

Asking price is $370 shipped!
Timestamps

Hi, I am interested in buying a used Hyundai Ioniq 5 and I found one being sold at a Toyota Dealership(!!). Which I found a little odd, but I saw that the dealership does sell a few cars from non-Toyota manufacturers.
The person at the dealership I spoke to said that the owner of the dealership got the car, used it for a few months and is now looking to sell it.
They shared the CarFax report for the car with me and the CarFax report says that the vehicle has one owner but also that its a "lease" vehicle. No leins or anything bad elsewhere. When I asked the guy at he dealership why does CarFax say its a leased vehicle, he said he is not sure, but that the dealership owns the car.
I find the whole situation a bit odd. Why does the CarFax report say that its a leased vehicle when the dealership/dealership owner owns the car? How can i ensure that everything is proper here before i go down (5hr drive) to make the purchase?

Hi, I am interesting in buying a used Hyundai Ioniq 5 and I found one being sold at a Toyota Dealership(!!). Which I found a little odd, but I saw that the dealership does sell a few cars from non-Toyota manufacturers.
The person at the dealership I spoke to said that the owner of the dealership got the car, used it for a few months and is now looking to sell it.
They shared the CarFax report for the car with me and the CarFax report says that the vehicle has one owner but also that its a lease vehicle. No leins or anything wrong else where. When I asked the guy at he dealership why does CarFax say its a leased vehicle, he said he is not sure, but that the dealership owns the car.
I find the whole situation a bit odd. Why does the CarFax report say that its a leased vehicle when the dealership/dealership owner owns the car? How can i ensure that everything is proper here before i go down (5hr drive) to make the purchase?

Open for selling or trading.
End game AR 60 Account. Account has been played and well maintained since beta and has all legacy pets and limited event weapons. This account is perfect for whoever loves Eula and wants to discover the power of brute force. the account also has Tighnari C2, Neuvillette C1, Ayaka C1, Kazuha C1 and Yelan C1. Also has other meta 5 stars built (like Venti Zhongli Raiden Furina)
images: https://imgur.com/gallery/9kr4yrJ
no hacked abyss, not linked to anything, receipts available
Price 200$. Feel free to dm me here or on discord: Sienu

Renew your driving licence hassle-free with this ultimate guide. Learn the step-by-step process for renewal online / offline!
Table of Contents

• [Importance of Renewing Your Driving Licence]()
• [Documents Required for Online Driving Licence Renewal]()
• [Step-by-Step Guide to Renew Driving Licence Online]()
• [Fees for Online Driving Licence Renewal]()
• [Tracking Your Driving Licence Renewal Status]()
• [Offline Renewal Process]()
• [Renewing Learner’s Licence Online]()
• [Frequently Asked Questions (FAQs)]()

Driving licence is an imperative, a must-have. It is a crucial necessity for all riders and drivers out there! And most importantly, it is a legal requirement. It is important to renew your licence online or offline, but on time. This will ensure that you can continue operating your loved vehicles legally and without any complications.
In the digital era that we are in now and here, the process of renewing your driving licence is a lot more convenient than it ever was, thanks to the introduction of online driving licence renewal services. In this comprehensive guide blog, we will walk you through the step by step process of how to renew your driving licence online (But then if you are someone who prefers a handshake over a hyperlink, we’ve got you covered too in our Renewal of Driving Licence Offline section!).
This Blog will be your one-stop to understand everything from the Documents required to answering your Frequently Asked Questions.

Importance of Renewing Your Driving Licence

A valid driving licence is your ticket to freedom on the roads. Renewing your driving licence is not a formality, but a legal obligation. That will ensure that you can continue to drive legally on Indian roads. Not renewing your licence could get you to some trouble. The consequences can range from hefty fines to even imprisonment in certain situations. It could also lead to the inability to claim insurance in case of an accident. However, on the other hand, a valid driving licence provides some extra benefits. It serves as a proof of identity, or proof of your address making it a crucial document for various official purposes. Renewing driving licence in India is a breeze. Don’t let a simple task turn into a major headache. Get the renewal of your driving licence done either online or offline, it is simple.

Documents Required for Online Driving Licence Renewal

Before getting started on the renewal of driving licence online, do ensure to have the following documents ready:

• Your existing driving licence
• Form 1 (self-declaration of physical fitness)
• Form 1A (medical certificate, if applicable)
• Form 2 (driving licence renewal form)
• Proof of age and address (Aadhaar card, passport, birth certificate, etc.)
• Two recent passport-size photographs
• Vehicle fitness certificate (only for commercial vehicle licence renewal)

The applicable documents have to be uploaded during the process of application for renewal of driving licence online. Hence, it is important to have digital copies or scanned versions of these documents readily available with you.

Step-by-Step Guide to Renew Driving Licence Online

As we discussed earlier, the renewal of driving licence online is an easy task, it’s almost a breeze. Follow the following simple steps to renew your driving licence online:

• Step 1: Visit the Parivahan Sewa website and navigate to the “Driving Licence Related Services” section under “Online Services.” Ensure that you are in the right authorized website, i.e., the official website of Ministry of Road Transport & Highways, meant for the renewal of driving licence.
  
• Step 2: Select your state from the drop-down menu and click on “Apply for DL Renewal.”
  
• Step 3: Click “Continue” and enter your driving licence number, date of birth, and the captcha code. Then, click “Get DL Details.”
  
• Step 4: Verify your details and click “Yes” to proceed. Select “Submit Request” and choose your state again.
  
• Step 5: Select your RTO (Regional Transport Office). If you choose a different RTO, you’ll need to apply for a change of address and pay an additional fee.
  
• Step 6: Select “Renewal of DL” and fill out the online application form. Upload soft copies of the required documents.
  
• Step 7: Pay the applicable fees online using various payment methods such as credit/debit card, net banking, or digital wallets. Download the payment receipt for future reference. Keep the Payment receipt safe, either in a screenshot form or a pdf form, for safety purposes.
  
• Step 8: Once your documents are verified, voila, you will receive your renewed driving licence via post at your registered address within 15 working days.
  

Didn’t we tell you that it is a simple task! Renewing your license online is fast, easy, and saves you a trip. Your renewal process happens at the comfort of your couch.

Fees for Online Driving Licence Renewal

The driving licence renewal fee would vary based on the type of licence, the duration of the renewal process, i.e., it depends on how much you have delayed to renew; it also depends on the mode of renewal (smart card or a booklet). The breakdown of the fees for the renewal of driving licence are provided here below:

• Driving Licence Renewal: Rs. 200
• Driving Licence Renewal (after the grace period of 30 days): Rs. 300
• Additional fees per year (for delay in renewal): Rs. 1,000
• Additional fees for renewal in smart card format: Rs. 200

If you are someone looking to renew your Driving Licence for Heavy Vehicles, the fee for application of heavy licence is Rs.1000. However, for passenger and heavy cargo vehicles, the Fee is Rs.1500.
Just a gentle heads up! Please note that these fees are subject to change and it may vary slightly across different States or Union territories, across the Country. It may not greatly vary from each other, but it is advised to check before making the payment.

Tracking Your Driving Licence Renewal Status

If the application process for your driving licence was a breeze, the tracking is as easy as it gets. It is a smooth sail! The following steps help you track the status of your application of renewal of driving licence:
Step 1: Visit the Parivahan Sewa website and navigate to the “Vehicle Related Services” menu under the “Online Services” tab.
Step 2: Select the “Application Status” option and enter your application number, date of birth, and the captcha code.
Step 3: Click “Submit” to view the current status of your application.
This convenient feature allows you to stay updated on the progress of your renewal application, ensuring transparency and convenience throughout the process. Thanks to Digital India initiatives, the status updates are also frequently forwarded via SMS.

Offline Renewal Process

If you are someone who is delightfully analogue, or if you get to face any technical challenges with the online process, you can always resort to the driving licence renewal process by visiting your nearest Regional Transport Office (RTO). The following steps delineate the offline process of renewing your driving licence:
Step 1: Obtain the driving licence renewal form (Form 9) from the RTO office or download it from the official website.
Step 2: Fill out the application form and gather all the required documents as mentioned below:

• Your existing driving licence
• Form 1 (self-declaration of physical fitness)
• Form 1A (medical certificate, if applicable)
• Form 2 (driving licence renewal form)
• Proof of age and address (Aadhaar card, passport, birth certificate, etc.)
• Two recent passport-size photographs
• Vehicle fitness certificate (only for commercial vehicle licence renewal)

Step 3: Visit the RTO and submit the duly filled application form along with the relevant documents. Remember, you have to hold hard-copies of relevant documents to submit at the RTO.
Step 4: Pay the applicable fees at the fee collection counter and collect the acknowledgment receipt. Depending on the RTO, it seems many places have UPI interface to pay. This depends and varies from location to location, hence it is advised to carry currency in hand.
Step 5: Your renewed driving licence will be mailed to your registered address once the document verification process is complete.
Visiting RTO for Offline Driving Licence renewal could sound overwhelming, which is not the case. However, in case you would like further assistance, you can seek help from your nearest driving school or an agent.

Renewing Learner’s Licence Online

Learner’s licence allows to practice Driving legally, to practice driving on public roads under specific conditions. This is significant to gain the necessary experience and skills before taking the test for a valid permanent driver’s license. Learner’s licence is a permit to demonstrate that you are authorized to learn how to drive. Remember, Driving without learner’s licence, though you are just learning, is still illegal.
If you are someone who is looking to obtain learner’s licence for the first time, applying for learner’s licence could be done online too. Visit the relevant website, select concerned state and click on “Application for New Learners License” from “Learner’s License” menu. Fill up the form. Since this is a new application for learner’s licence, you are required to visit RTO on scheduled date with original documents & fee slip. The fee for issue of learner’s licence for each class of vehicle is Rs.150.
There may be situations in which one holds a learner’s licence, and it has expired. You can renew learner’s licence online too. Follow the simple steps as detailed below:
Step 1: Visit the Parivahan Sewa website and select “Driving Licence Services” from the “Online Services” menu.
Step 2: Choose your state of residence and click on the “Expired Learner Licence Issue Again” option under the “Learner Licence” section.
Step 3: Enter your expired learner’s licence number and date of birth, then click “Submit.”
Step 4: Pay the applicable fees for the issuance of a new learner’s licence.
Once the process is complete, you will receive your renewed learner’s licence.
You are provided with a permanent valid driving licence after you appear and clear the driving test.

Frequently Asked Questions (FAQs)

Q: Can I renew my driving licence after it has expired? A: Yes, you can renew your driving licence even after it has expired. However, if the expiration date is more than five years old, you will have to apply as if you apply for a new licence and undergo all the necessary formalities.
Q: What are the penalties if caught riding or driving without a valid Driving licence? A: The fine for driving without a valid driving licence can be anywhere from Rs.1000 to Rs.5000, depending on the state and the type of vehicle you are driving. In some cases, imprisonment is also possible for a period up to 3 months. Apart from the above, it is possible that your vehicle could be seized until you can produce a valid licence. Repeated offences may lead to disqualification from obtaining a licence for a certain period.
Q: Do I need to undergo a driving test for renewal? A: Generally, no driving test is required for renewing your driving licence. However, if you are over 50 years old, and if you’re applying for a commercial vehicle licence, or have certain medical conditions, you may need to appear for a driving test.
Q: Can I make changes to my driving licence during renewal? A: Yes, you can make changes to your driving licence, such as address or personal details, during the renewal process. You will need to provide additional documentation for the changes and fill out the appropriate forms.
Q: How long is a driving licence valid? A: A driving licence in India is typically valid for 20 years from the date of issuance or until the holder turns 50, whichever comes first. For commercial vehicle licences, the validity period is 5 years. Also, it is pertinent to mention that once the driver crosses the age 50, the renewed licence is valid for 5 years, and the application of renewal of driving licence must be submitted, closer to the date of expiry.
Q: Can I renew my driving licence online if I obtained it from another state? A: Yes, you can renew your driving licence online, even if it was initially obtained from another state. However, you’ll need to provide a No Objection Certificate (NOC) from the original licensing authority. While this is the most common practice, the rules may vary from state to state, it is important to check with the local authorities for specific regulations.
Q: What if I don’t renew my driving licence on time? A: If you fail to renew your driving licence within the grace period of 30 days after expiration, you’ll need to pay an additional fee of Rs. 300. Additionally, driving with an expired licence can lead to penalties, fines, or even legal consequences.
Q: Can I schedule an appointment for driving licence renewal? A: Yes, most states in India allow you to schedule an appointment for driving licence services, including renewal, through the Parivahan Sewa website. This helps avoid long queues and waiting times at the RTO offices. This is only when you would like to renew your driving licence offline. By following the steps in Section-3 of this Blog, you can easily renew your driving licence online.
Q: How can I update my address on my driving licence? A: To update your address on your driving licence, you’ll need to fill out Form 33 and submit it along with the required documents, such as proof of new address, to the RTO during the renewal process.
Renewing driving licence online is a convenient and time saving process, which ensures that you complete the formalities and even receive your renewed driving licence, all at the comfort of your couch. Renewing your driving licence is an essential requirement. It will ensure that you remain compliant the Rules and regulations of the Government and it permits you to operate your vehicles legally on Indian roads. By following the guide detailed in this blog post, we are sure that you will have a smooth process of renewing your driving license online.

I wanted to post this because I see many going through a similar, tough buying time. I hope my story gives you a boost and helps you keep going. There is my sad backstory that you can skip to "Dec, 2020" that starts the home journey. This post is extremely long but emotional for me. Please be kind.
The only house i ever lived in was my uncles, for 2 years (age 3-5) before he removed us.
My mother suffers from many tribulations, and it was reflected in life. We apartment hopped for all of my childhood. I'll never forget how hurt I was, leaving behind my valuables everytime we downsized, (dressers, my desk, doll houses etc) being cramped, no pets allowed (i love animals), neighbors banging on their ceilings when I played, hearing families fight as if they next to me, smoke coming in the windows, constant new neighbors, roaches and other infestations due to neighbors, etc.
My mom would drive around and say, “this is going to be our new house!” And get my hopes up, but it never happened. My sister (she's 5 years older) said she would buy a house for us all, and that lasted a few months before we were evicted again, moving to another apartment.
I asked constantly when we could get a house like my uncle or sister. My father had one (my parents divorced when I was an infant), and when I visited, I wished I had my own backyard, pets. I was jealous of my friends who lived in houses. I would pretend vacant homes were mine, walk to the new homes being built, and watch their progress. Imagine my future in it where my kids would know stability.
After Bullying in school (from 4th - 12th grade), SA from my father, (i was 15) neglect, abuse, depression, self harm, apartment hopping, I was desperate to move out and away once I turned 16 (emancipation). I moved from NJ when i was 18 to FL and started my own downhill spiral of DV, homelessness, repossessions, and other mentally and physically draining circumstances that pushed my limits, money, and everything
In 2017, I picked up my pieces and gathered them, alone, to AZ into the best apartment and neighborhood i ever had. I told myself that after a year, I was going to buy a home there. In 2018, I reached out to realtors and was told all I needed to do was pay off 2k of credit card debt to qualify for 250-300k. The dumbest decision I ever made was saying spending 2k was stupid. I wish I had the recourses, support, anything, or anyone to tell me to do it. had I done it, I could have bought my dream home then for 200-275k
In Dec 2020, I had been with my now husband for 3 years, went through hell in the apartments he wanted us to move to for more space, away from that neighborhood I loved. Someone stole our bikes, smoked weed next to our window, and then our new car was stolen and required 3k in repairs. I was miserable. I wanted to end the cycle of apartments and putting away my wants and needs, so we decided to begin paying things off to get pre qualified. Then came the new battlefield.
As you all know, 2021 until today, it hasn't been a buyers market. I had no idea what any of that meant until I was told I was approved to start putting in offers in January 2022. We were pre approved for a max of FHA 350k from a lender that I was sure had our backs after getting tons of denials and pisspoor brokers who couldn't care less about my childhood dream. I pulled up the MLS and saved about 30 homes a week, if not more, that were 375k and below, all the way down to 150k trailer homes, condos, townhomes, and houses.
Half of those listings were sold (pending) within 5 days. the other half we were bidding upwards against. I couldn't believe it. I was told the market is hot, lots of people selling their homes in bordering states and putting higher end offers on the homes in our price range because they were selling their homes for 500k and using the differences to buy the cheap homes. The others were investors.
After doing all of the work for my husband and roommate and then some to qualify, I was now battling 15+ people on one home multiple times. I was told to try going further out. The market I was in was too desirable. I was like, REALLY? PEOPLE GET SHOT HERE ONCE A WEEK, HOW IS THIS NEIGHBORHOOD, "HOT"??? I was told to shop beneath my budget, shop outside the location I wanted, everything you are all being told today to, "land a home, stay in it for five years, then sell it and get what I want." But I heard none of it, I wanted my DREAM home on my first buy, which wasn't a lot.
All I wanted was a 1300-2000sqft home with a front and backyard for my dog and kids, a house that didn't need a crap ton of repairs, and a neighborhood I felt comfortable in so that I wouldnt have to deal with all the things I did since I was little. I didn't care if it was upgraded, carpeted, or tile, old or new, I just wanted space, safety, a yard.
It didn't matter. Even if I sacrificed a yard, square footage, whatever, I was getting outbid. Every home I could afford was being bought in cash, waiving inspections, having a 14 day close, and/or being bought 25k to upwards of almost 200k over asking even if it was a fixer upper!! I could not compete.
In April, I FINALLY had an offer accepted in a town that was 30 minutes from work, building up, and beautiful. I was willing to sacrifice commute time and everything for this beautiful house that checked all the boxes. It was 2,060 sqft, upstairs and downstairs, a 5k lot, in a beautiful neighborhood. We were able to get a third cosigner (lomg time friend) to up our income and get to 375k. But then I found out my preapproval wasn't so pre approved.
Having a 3rd co signer meant nothing. We needed to reserve money that we weren't informed about, DPA wanted us to pay off more debt, and we needed more income than the THREE of us had. I was livid, why didnt they tell us any of this? Why did they say our income was enough, and the DPA would cover everything?! I knew nothing, I tell you, nothing, and I should have researched more. But I was desperate.
My grandma stepped in. First, she needed a credit score. She opened up an unsecured credit card for 300. Bought gum, paid it off. We did a rapid rescore, and it shot her up to 7 freggin 735, SEVEN THIRTY FIVE LMFAO, and then we needed her social security letters. Which took two weeks too long, pushing back a close the seller REALLY WANTED TO CLOSE ON, which my realtor convinced them to hold off. Well, guess what? My grandma doesn't have a government id. She hadn't updated her id since 2005. No biggie, we'll get her to the DMV, which we had to reschedule online to 3 different locations. Well, guess what? Her mail, old id, her social security card, AND BIRTH CERTIFICATE all had DIFFERENT VARIATIONS of her name, and DMV couldn't verify her identity.
It would take two months to correct those issues. I threw my phone, scratched my arms to oblivion, fell on my knees, and cried. The lender said there was no way the loan was to be approved without Grandma. My sweet Grandma of 4 different names. I feel the tears, even now. I lost it. I fought for a home all my life and lost it because of being uninformed, way too broke ( I know I know), and then some. I felt like the universe was against me.
So May comes around, and my realtor says, "Listen, let's try this. Let's do rent to own. They pay for everything, and then you save, fix your credit, and buy the house back at the value of the contract paying the difference in appraisal if need be."
I was so broken that I did it. Back to the MLS, we still couldn't get a home in our price range in the neighborhoods I wanted. Rental price was going to be 3,100, so... we stuck to the 30-minute away neighborhood, and oh god, was that a new mistake. The first house we put an offer in on was accepted immediately. It was the smoothest process I'd ever seen in comparison to the hell I'd just gone through. I checked the MLS every day, watched homes I saved while I rented go pending or under contract in a week, or sell for over asking.
My heart sunk when all the homes I wanted and lost out to were back on the market as a rental property, or were slightly updated prices 50k-100k higher than before. Homes were being sold by opendoor, or rental from the very people I used to buy to rent from. I couldn't believe to this day how many homes I lost out to, sitting vacant for MONTHS prices dropping and dropping as the feds raised the interest rates. I went to open houses, asked what people wanted for offers (so I could be informed when I was ready), and knew my chances were getting slimmer and slimmer.
All the while, my commute was the devil. Traffic galore, accidents making my drive time go from 30-2 hours to and from. It was far from family, the mileage on my car grew so fast, my tires were wearing faster. The home was way too big for us (2765 sqft) and difficult to maintain. Beautiful home and town, but not for me.
The rent was also too high. It said it would be 2500, but wound up being 3100 after all of the damn fees they didn't disclose until AFTER WE WERE UNDER CONTRACT sflkghskg The electric bill was 6x the amount (bad company. People in that town are begnning to organize), water bill company demands 100 dollars no matter the usage (we only use about 60$), and the gas prices increased so high I was putting 60 dollars every 3 days in my car.
Then, my precious cat that followed me from NJ to AZ that had been with me through all of the DV, mental breaks, homelessness, had suffered from strokes. She was a stick, walking in circles, giving nothing but love. I tried everything I could, paid thousands to save her, but in the end, all I did was prolong her and my suffering. She passed in my arms. I love you and miss you, Emma.
Other life things happened, and by December, I had 200 dollars in the bank. When my income tax came, I applied for loans and said Im going to try the DPA and stuff again, It was either that, or rent a smaller house or apartment but seeing the market repeat my 2021 experience, I had to try with what I had. My goal was to get back to the neighborhood I wanted. NO EXCEPTIONS.
So I switched realtors based on a recommendation from FB. Random person said this lady would fight for me like no one else would. This realtor recommended me a lender, she said it could make miracles happen. I almost didn't do it because I had been let down by 2 other lenders before this one in 2023, but screw it. I followed his advice to the T of what to pay down, what to keep, and what to negotiate with. We gave him our 401ks info, our paystubs, had 3 of us on the loan, and explained we had no downpayment, just money for closing costs.
The market, at this point, slowed down due to the interest rates but was beginning to pick up. A lot of the homes we put offers on didn't like our asks. Which was disappointing, but I understood. What seller would want to pay closing costs for us so our payment assistance would go strictly to the home when they could accept the few cash, investor, or better conventional loan offers? The homes were going below listing, which was cool, but not quite in my 365k max range.
Until I gave way a little bit. There were 2 townhomes. One that was detached and had the most gorgeous yard Id ever seen for where it was at, and the inside was completely upgraded and bigger than it looked with a gorgeous mountain view from the master. But it was in a neighborhood that gave me goosebumps. No wonder they would accept 365k and pay everything should we put in our offer lol I couldn't do it, though. I didn't want to sacrifice being comfortable in my home safely to have a house. It was the first and only time I was picky.
At first, that seemed like a mistake, as the only other home I thought would accept our offer in my dream neighborhood said the seller had a specific number they wanted to sell at, which wasnt 365k, it was 375k. I wasn't going to get a home after all. I knew my ask was tough, and I wasn't going to get a house despite trying for another 3 months. I gave up. But then... I thought about something. That townhome in the neighborhood of my dreams, they wanted 375k? I restructured our ask to get to that 375k. A few hours later, my realtor texted me if she could call. It was urgent.
I was at work and went into the office and called. THE SELLER ACCEPTED OUR OFFER, THEY ACCEPTED OUR EFFING OFFER! THEY ACCEPTED IT!!!! I cried so hard, hyperventilated, cried some more, and told myself I wasn't going to get excited. I had this happen before, after all.
Well, guess what? Long story short, after hurdles during this closing as well, needing to push it back for this or that, WE CLOSED!! WE CLOSED ON THE HOUSE, IT WAS MINE!!! IT IS MINE!
The seller paid for all of the closing costs. DPA paid the downpayment at 3%. The rate was 6.85%, DPA loan at 8%. I paid for the appraisal and inspection, that's it. Only 1100 out of pocket. Monthly payment was 2865, my max, but it is MINE and EVERYTHING I wanted besides having a huge yard (it's still a decent sized yard) and open kitchen Home is 8 min from work (bye bye crappy commute!),community has incredible amenities, sub division has a pool, HOA covered roof (it was new anyway), new AC, new dishwasher, freshly painted, 3 beds 2 and a half baths, 1400sqft, 2 car garage with driveway, upstairs and downstairs like I always imagined, and so much more.
Every hurdle, every tear, every breakdown, taught me what I needed to know and led me to home. After saving for a year with the cheaper electric, water, gas prices, and mortgage, we just refinanced. Got a 5.75% rate (I thought it was 5.32, but after we closed today, it was 5.75%), the home appraised for 395k with no changes besides adding a fridge and new oven. The equity paid every penny of the refinance and the DPA loan. My mortgage is now 2550. For us, this is affordable now that we are debt free and still have savings!
I got my home with the most undesirable circumstances. I may be an exception, not the rule, but if my pathetic self can do it, i promise. You can, too. Don't be defeated. Don't let the investors win.
You need to win.

Hi, I am selling my Blue Lighting and White Outline Killbred hoodie from the X drop this January for AU $270 each (US $179). They're both a size S and I am selling them due to being too big. Please dm me if you are interested and any other questions. I also have all receipts for proof of purchase if needed. Shipping depends on where you live but if you are from Australia I can already tell you it is $20.

I'm about to sell a car for mt parents and want like to ask what's the safest way for both parties to make the transaction. I've heard horror stories about people transferring money then claiming a charge back straight away ect... any advice would be greatly appreciated

So for the last few weeks, literally around 3-4 weeks I’ve been using the loan search on Experian.
Long story short I had to get rid of my old car, was ill before Christmas for seven weeks that affected my wages/had to recover on bills due to no sick pay.. also moved house sept last year but it only just updated in January on my credit file.
So it’s taken a hit.
Anyway, last few weeks I’ve been seeing what loans I can get from Experian… Monzo kept coming up as pre approved etc etc .. I’m needing a car, I wasn’t going to buy another as I can walk to work, however we are moving to a new place July and I need a car for them. Hard to save 2/3k between that time frame.
Monzo kept coming up, after weeks of debating I went for it having found a car in my 3k budget. It told me I had to sign up for an account when I went to view and apply for it. So I went through the process and opened up, went back to Experian to find the loan and guess what?
No matter how many times I click search loans Monzo no longer appears on my search results and isn’t an option anymore after signing up with the exact details my Experian has.
It’s a freaking sell point to open the account —I looked into monzo before doing it and seen nothing about this around. I’m absolutely flaming!!!
No I can apply for finance on cars due to my situation at the moment with my credit file etc recovering. But I’m soooo angry :(
Can you just close down a monzo account? Has this happened to anyone else?