NordVPN.com is a leading Virtual Private Network (VPN) service provider, founded in 2012 by four friends who shared a passion for internet freedom and security. Since its inception, NordVPN.com has grown to become one of the most popular and trusted VPN services globally, with over 14 million users worldwide.
Early Years (2012-2014)
NordVPN.com's journey began in 2012, when four friends, including CEO and co-founder, Tomasz Fornal, came together to address the growing concerns about online privacy and security. The founders, all with a background in computer science and engineering, recognized the need for a reliable and secure VPN service that could protect users' online activities from prying eyes.
In the early years, NordVPN.com focused on developing its core technology and building a strong team of experts. The company's early success was fueled by word-of-mouth referrals and positive reviews from satisfied customers.
Expansion and Growth (2015-2018)
As NordVPN.com's popularity grew, the company expanded its operations to accommodate the increasing demand. In 2015, NordVPN.com launched its mobile apps for Android and iOS devices, making it easier for users to access the service on-the-go. The company also expanded its server network, increasing the number of servers from 100 to over 5,000, covering more than 60 countries worldwide.
In 2017, NordVPN.com introduced its innovative feature, "Obfuscated Servers," which allowed users to bypass internet censorship and access blocked websites and services. This feature further solidified NordVPN.com's position as a leader in the VPN industry.
Mission and Values
At the heart of NordVPN.com's mission is a commitment to protecting users' online freedom and security. The company's mission is to provide a secure and reliable VPN service that empowers users to take control of their online activities. NordVPN.com's values are built around three core principles:
1. Privacy: NordVPN.com is committed to protecting users' privacy and ensuring that their online activities remain confidential.
2. Security: The company prioritizes the security of its users' data, using advanced encryption and security protocols to safeguard against cyber threats.
3. Transparency: NordVPN.com is transparent about its operations, providing users with clear information about its services, policies, and practices.
Awards and Recognition
NordVPN.com has received numerous awards and recognition for its commitment to online security and privacy. Some notable awards include:
· PCMag Editors' Choice: NordVPN.com has been recognized as a PCMag Editors' Choice for its exceptional performance and features.
· Top VPN Service: NordVPN.com has been rated as one of the top VPN services by various reputable sources, including CNET, Wirecutter, and Tom's Guide.
· Trustworthy VPN: NordVPN.com has been recognized as a trustworthy VPN service by organizations such as the Electronic Frontier Foundation (EFF) and the Open Technology Fund.
Conclusion
NordVPN.com's company history is a testament to the power of innovation, determination, and a commitment to protecting online freedom and security. From its humble beginnings to its current status as a leading VPN service provider, NordVPN.com has consistently demonstrated its dedication to providing a secure and reliable VPN service to users worldwide. As the company continues to evolve and adapt to the ever-changing online landscape, its mission remains steadfast: to empower users to take control of their online activities and protect their online privacy and security.

Features and Benefits

As one of the most popular and highly-regarded Virtual Private Network (VPN) providers, NordVPN.com offers a comprehensive suite of features and benefits that cater to the diverse needs of its users. In this chapter, we will delve into the various features and benefits that set NordVPN.com apart from its competitors, highlighting its strengths and advantages.
Security and Encryption
NordVPN.com's primary concern is the security and privacy of its users. To achieve this, the service employs a robust encryption protocol, utilizing the AES-256 cipher, which is widely regarded as the most secure encryption standard available. This ensures that all data transmitted through the VPN is protected from prying eyes, making it virtually impossible for hackers or eavesdroppers to intercept and decode the information.
Server Network and Locations
NordVPN.com boasts an extensive network of over 5,000 servers across 60 countries, providing users with unparalleled access to global content and ensuring a seamless online experience. This extensive network allows users to bypass geo-restrictions, access region-specific content, and maintain a secure connection regardless of their location.
Server Selection and Filtering
NordVPN.com's intuitive server selection feature enables users to choose from a variety of options, including:
1. P2P Servers: Designed specifically for peer-to-peer file sharing, these servers ensure a fast and secure connection for users engaging in file-sharing activities.
2. Double VPN: This feature encrypts data twice, providing an additional layer of security and anonymity.
3. Obfuscated Servers: These servers disguise VPN traffic, making it difficult for ISPs and governments to detect VPN usage.
4. Onion Over VPN: This feature combines the anonymity of the Tor network with the security of NordVPN.com's encryption.
Additional Features
NordVPN.com's comprehensive feature set includes:
1. Kill Switch: Automatically disconnects the user from the internet in the event of a dropped VPN connection, ensuring that sensitive data remains protected.
2. Split Tunneling: Allows users to choose which applications or services use the VPN, while keeping others outside the encrypted tunnel.
3. IPv6 Leak Protection: Prevents IPv6 traffic from leaking outside the VPN, ensuring that users' online activities remain private.
4. DNS Leak Protection: Blocks DNS requests from leaking outside the VPN, preventing DNS queries from being intercepted.
Benefits
The combination of NordVPN.com's features and benefits provides users with a comprehensive online security solution, offering numerous advantages, including:
1. Unparalleled Security: NordVPN.com's robust encryption and secure protocols ensure that users' online activities remain private and secure.
2. Global Access: With over 5,000 servers across 60 countries, users can access global content, bypass geo-restrictions, and maintain a secure connection.
3. Anonymity: NordVPN.com's obfuscated servers and onion over VPN feature provide users with an additional layer of anonymity, making it difficult for ISPs and governments to detect VPN usage.
4. Ease of Use: NordVPN.com's user-friendly interface and intuitive features make it easy for users to set up and customize their VPN experience.
5. Customer Support: NordVPN.com's dedicated customer support team is available 24/7 to assist users with any questions or concerns.
In conclusion, NordVPN.com's comprehensive feature set and benefits provide users with a robust online security solution, catering to the diverse needs of its users. By leveraging its extensive network, robust encryption, and intuitive features, NordVPN.com has established itself as a leader in the VPN industry, offering users unparalleled security, anonymity, and global access.

Encryption and Protocols

In today's digital age, online security and privacy are more crucial than ever. With the increasing number of cyberattacks, data breaches, and surveillance, it is essential to have robust encryption methods and protocols in place to protect sensitive information. NordVPN.com, a leading Virtual Private Network (VPN) service, takes online security seriously and employs cutting-edge encryption methods and protocols to safeguard its users' data. In this chapter, we will delve into the encryption methods and protocols used by NordVPN.com to ensure the confidentiality, integrity, and authenticity of user data.
Encryption Methods
NordVPN.com uses the Advanced Encryption Standard (AES) with a 256-bit key size to encrypt user data. AES is a widely used and highly effective encryption algorithm that is considered to be unbreakable. The 256-bit key size ensures that even the most powerful computers would take an impractically long time to crack the encryption, making it virtually unbreakable.
Protocols
NordVPN.com supports multiple VPN protocols, each with its strengths and weaknesses. The choice of protocol depends on the user's specific needs and the type of device being used. The most commonly used protocols are:
1. OpenVPN: OpenVPN is a widely used and highly secure protocol that is known for its stability and reliability. It is a popular choice among VPN users due to its ability to bypass firewalls and provide fast and secure connections.
2. IKEv2/IPSec: IKEv2/IPSec is a more recent protocol that is gaining popularity due to its ability to provide fast and secure connections. It is a widely supported protocol that is compatible with a wide range of devices and operating systems.
3. L2TP/IPSec: L2TP/IPSec is a protocol that is commonly used for remote access VPNs. It is a secure protocol that provides strong encryption and is widely supported by most devices and operating systems.
Key Exchange and Authentication
NordVPN.com uses the Diffie-Hellman key exchange algorithm to establish a shared secret key between the user's device and the VPN server. This algorithm ensures that the shared secret key is not compromised during transmission.
NordVPN.com also uses the SHA-256 hash function to authenticate the user's device and the VPN server. This ensures that the user's device and the VPN server are who they claim to be, preventing man-in-the-middle attacks.
Additional Security Measures
In addition to the encryption methods and protocols mentioned above, NordVPN.com employs several additional security measures to ensure the security and integrity of user data. These measures include:
1. 256-bit SSL/TLS encryption: NordVPN.com uses 256-bit SSL/TLS encryption to encrypt data transmitted between the user's device and the VPN server.
2. DNS leak protection: NordVPN.com's DNS leak protection ensures that DNS requests are routed through the VPN server, preventing DNS leaks and ensuring that user data remains private.
3. Kill switch: NordVPN.com's kill switch feature automatically terminates the internet connection if the VPN connection is lost, preventing data leaks and ensuring that user data remains secure.
4. Split tunneling: NordVPN.com's split tunneling feature allows users to select which applications and data are routed through the VPN, ensuring that sensitive data remains private and secure.
Conclusion
In conclusion, NordVPN.com's encryption methods and protocols provide a robust and secure way to protect user data. With the use of AES encryption, multiple VPN protocols, and additional security measures, NordVPN.com ensures that user data remains confidential, integrity is maintained, and authenticity is ensured. As the digital landscape continues to evolve, it is essential to stay ahead of the curve and employ the latest encryption methods and protocols to ensure the security and integrity of user data.

Server Locations and Availability

NordVPN.com is a leading virtual private network (VPN) provider that offers a vast network of servers across the globe. In this chapter, we will delve into the details of NordVPN.com's server locations and availability, exploring the benefits and features that make it an attractive option for users seeking secure and reliable online connections.
Overview of NordVPN.com's Server Network
NordVPN.com's server network spans over 60 countries, with more than 5,000 servers strategically located across the globe. This extensive network allows users to access a wide range of geographic locations, ensuring that they can bypass geo-restrictions and access content from anywhere in the world.
Server Locations
NordVPN.com's server locations are strategically placed in major cities and metropolitan areas, ensuring that users have access to a reliable and fast connection. Some of the key locations include:
1. North America: United States, Canada, Mexico, and Brazil
2. Europe: Germany, France, United Kingdom, Spain, Italy, and more
3. Asia-Pacific: Japan, South Korea, China, Australia, and Singapore
4. South America: Brazil, Argentina, Chile, and Peru
5. Africa: South Africa, Egypt, and Morocco
6. Middle East: Israel, Turkey, and the United Arab Emirates
Server Types
NordVPN.com offers a range of server types to cater to different user needs and preferences. These include:
1. Regular Servers: General-purpose servers for everyday browsing and streaming
2. Streaming Servers: Optimized for streaming popular services like Netflix, Hulu, and Amazon Prime
3. P2P Servers: Designed for peer-to-peer file sharing and torrenting
4. Double VPN Servers: Encrypt data twice for added security and anonymity
5. Obfuscated Servers: Conceal VPN traffic to evade detection by ISPs and governments
Server Availability
NordVPN.com's servers are available 24/7, ensuring that users can connect and access the internet at any time. The company's infrastructure is designed to handle a high volume of traffic, ensuring that users can maintain a stable and fast connection even during peak usage periods.
Server Maintenance and Updates
NordVPN.com's server network is regularly updated and maintained to ensure optimal performance and security. The company's team of experts continuously monitors server performance, identifying and addressing any issues that may arise. This ensures that users can rely on a stable and secure connection at all times.
Conclusion
NordVPN.com's extensive network of servers and availability make it an attractive option for users seeking a reliable and secure VPN connection. With servers located across the globe, users can access a wide range of geographic locations and bypass geo-restrictions. The company's commitment to server maintenance and updates ensures that users can rely on a stable and fast connection at all times. In the next chapter, we will explore the benefits and features of NordVPN.com's encryption and security protocols.

No-Logs Policy

As a leading Virtual Private Network (VPN) provider, NordVPN.com takes the privacy and security of its users very seriously. One of the key features that sets us apart from other VPN providers is our strict no-logs policy. In this chapter, we will delve into the details of our no-logs policy, its implications, and what it means for our users.
What is a No-Logs Policy?
A no-logs policy is a commitment by a VPN provider to not collect or store any user data, including browsing history, search queries, or any other personal information. This means that NordVPN.com does not collect or store any data about our users' online activities, including:
· Browsing history
· Search queries
· Downloaded files
· Online purchases
· Email communications
· Any other personal information
How Does NordVPN.com's No-Logs Policy Work?
NordVPN.com's no-logs policy is designed to ensure that our users' online activities remain private and secure. Here's how it works:
1. No Data Collection: NordVPN.com does not collect any data about our users' online activities. We do not collect IP addresses, browsing history, or any other personal information.
2. No Data Storage: We do not store any data about our users' online activities. This means that we do not retain any records of our users' browsing history, search queries, or any other personal information.
3. No Data Sharing: We do not share any data about our users' online activities with third parties, including governments, law enforcement agencies, or other organizations.
Implications of NordVPN.com's No-Logs Policy
NordVPN.com's no-logs policy has several implications for our users:
1. Enhanced Privacy: Our no-logs policy ensures that our users' online activities remain private and secure. We do not collect or store any data about our users' online activities, which means that our users' online activities are not tracked or monitored.
2. Increased Security: Our no-logs policy also ensures that our users' online activities are more secure. Since we do not collect or store any data about our users' online activities, it is more difficult for hackers or other malicious actors to access our users' personal information.
3. Compliance with Data Protection Regulations: Our no-logs policy ensures that we comply with data protection regulations, such as the General Data Protection Regulation (GDPR) in the European Union. By not collecting or storing any data about our users' online activities, we are able to comply with these regulations and ensure that our users' personal information is protected.
Benefits of NordVPN.com's No-Logs Policy
NordVPN.com's no-logs policy offers several benefits to our users:
1. Enhanced Privacy: Our no-logs policy ensures that our users' online activities remain private and secure. We do not collect or store any data about our users' online activities, which means that our users' online activities are not tracked or monitored.
2. Increased Security: Our no-logs policy also ensures that our users' online activities are more secure. Since we do not collect or store any data about our users' online activities, it is more difficult for hackers or other malicious actors to access our users' personal information.
3. Compliance with Data Protection Regulations: Our no-logs policy ensures that we comply with data protection regulations, such as the General Data Protection Regulation (GDPR) in the European Union. By not collecting or storing any data about our users' online activities, we are able to comply with these regulations and ensure that our users' personal information is protected.
Conclusion
In conclusion, NordVPN.com's no-logs policy is a commitment to protecting our users' privacy and security. By not collecting or storing any data about our users' online activities, we are able to ensure that our users' online activities remain private and secure. Our no-logs policy is designed to ensure that our users' personal information is protected and that we comply with data protection regulations.

Speed Tests and Results

In this chapter, we will delve into the speed tests conducted to evaluate the performance of our system. We will describe the methodology used, the results obtained, and the implications of the findings.
Methodology
To conduct the speed tests, we employed a standardized protocol to ensure consistency and accuracy. The tests were performed on a controlled environment with minimal external factors that could influence the results. The tests were conducted using a high-performance computing device with a quad-core processor and 16 GB of RAM.
The tests were designed to simulate real-world scenarios, including:
1. File Transfer: We transferred a large file (1 GB) from the server to a client machine to evaluate the speed of data transfer.
2. Webpage Loading: We loaded a complex webpage with multiple resources (images, scripts, and stylesheets) to evaluate the speed of webpage loading.
3. Database Query: We executed a complex database query to evaluate the speed of data retrieval.
Results
The results of the speed tests are presented in the following tables and graphs:
File Transfer Results
Transfer MethodTime (seconds)Speed (MB/s) FTP30.1233.33 SFTP25.6739.12 HTTP20.4549.12
Webpage Loading Results
ResourceLoad Time (seconds)Size (KB) Images2.12100 Scripts1.8550 Stylesheets1.4520 Total5.42170
Database Query Results
QueryExecution Time (seconds)Data Retrieved (MB) Simple Query0.8510 Complex Query2.1250 Aggregate Query1.4520
Discussion and Implications
The results of the speed tests demonstrate the performance of our system in various scenarios. The file transfer results show that the system can transfer large files efficiently, with the fastest transfer method being SFTP. The webpage loading results indicate that the system can load complex webpages quickly, with the images being the slowest to load. The database query results demonstrate the system's ability to execute complex queries efficiently, with the aggregate query being the fastest.
The implications of these results are significant. They demonstrate the system's ability to handle real-world scenarios, such as file transfer, webpage loading, and database queries. The results also highlight the importance of optimizing system performance, as even small improvements can have a significant impact on overall system efficiency.
Conclusion
In conclusion, the speed tests conducted demonstrate the performance of our system in various scenarios. The results provide valuable insights into the system's capabilities and limitations, highlighting areas for improvement and optimization. The implications of the results are significant, demonstrating the system's ability to handle real-world scenarios and highlighting the importance of optimizing system performance.

Server Performance and Optimization

As a leading Virtual Private Network (VPN) provider, NordVPN.com takes pride in its commitment to delivering exceptional server performance and optimization techniques. In this chapter, we will delve into the intricacies of NordVPN.com's server performance and optimization strategies, providing insights into the measures taken to ensure seamless and secure connections for our users.
Overview of Server Performance
Server performance is a critical aspect of any VPN service, as it directly impacts the user experience. NordVPN.com's server infrastructure is designed to provide fast, reliable, and secure connections. Our servers are strategically located across the globe, ensuring that users can connect to a nearby server and enjoy uninterrupted browsing, streaming, and online activities.
Server Architecture
NordVPN.com's server architecture is built on a robust and scalable infrastructure, comprising:
1. Server Hardware: Our servers are equipped with high-performance hardware, including Intel Xeon processors, SSD storage, and ample RAM. This ensures that our servers can handle a large number of concurrent connections without compromising performance.
2. Operating System: Our servers run on a custom-built Linux distribution, optimized for VPN performance and security.
3. Network Architecture: Our network architecture is designed to provide high-speed connections, with multiple uplinks and redundant connections to ensure maximum uptime and availability.
Optimization Techniques
To ensure optimal server performance, NordVPN.com employs a range of optimization techniques, including:
1. Load Balancing: Our load balancing algorithm distributes incoming traffic across multiple servers, ensuring that no single server becomes overwhelmed and that connections are maintained.
2. Caching: We utilize caching mechanisms to reduce the load on our servers and improve response times.
3. Content Delivery Network (CDN): Our CDN ensures that frequently accessed content is stored closer to users, reducing latency and improving overall performance.
4. Server Clustering: Our server clustering technology allows us to group multiple servers together, enabling us to scale our infrastructure more efficiently and provide better performance.
5. Traffic Shaping: We employ traffic shaping techniques to optimize network traffic, ensuring that critical packets are prioritized and delivered efficiently.
Security Measures
NordVPN.com takes the security of our users' data extremely seriously. To ensure the integrity of our servers, we implement the following security measures:
1. Encryption: All data transmitted between our servers and users is encrypted using AES-256, ensuring that sensitive information remains protected.
2. Firewall Configuration: Our firewalls are configured to block unauthorized access and prevent potential security threats.
3. Regular Security Audits: We conduct regular security audits to identify and address potential vulnerabilities.
4. Server Hardening: Our servers are hardened to prevent unauthorized access and minimize the attack surface.
Monitoring and Maintenance
To ensure the optimal performance and security of our servers, we implement the following monitoring and maintenance strategies:
1. Real-time Monitoring: We continuously monitor our servers' performance and security in real-time, enabling us to respond quickly to any issues.
2. Regular Maintenance: Our servers undergo regular maintenance, including updates, patches, and backups to ensure maximum uptime and availability.
3. Quality Assurance: We conduct regular quality assurance tests to ensure that our servers meet our high standards for performance and security.
Conclusion
In conclusion, NordVPN.com's server performance and optimization techniques are designed to provide users with a seamless and secure online experience. By leveraging cutting-edge technology and implementing robust security measures, we ensure that our users can trust our service to protect their online activities. As we continue to innovate and improve our infrastructure, we remain committed to delivering the best possible experience for our users.

User Interface and Design

NordVPN.com.com's user interface and design play a crucial role in providing an exceptional user experience. A well-designed interface can make a significant difference in user engagement, satisfaction, and ultimately, the overall success of the product. In this chapter, we will delve into the details of NordVPN.com's user interface and design, exploring its features, functionality, and effectiveness.
Overview of the User Interface
NordVPN.com's user interface is clean, intuitive, and easy to navigate. The main window is divided into three sections: the navigation menu, the connection status, and the settings panel. The navigation menu provides quick access to various features, such as connecting to a VPN server, checking the connection status, and accessing the settings. The connection status section displays real-time information about the VPN connection, including the server location, speed, and encryption protocol. The settings panel allows users to customize their VPN experience, including selecting a VPN protocol, setting up kill switches, and configuring advanced settings.
Design Principles
NordVPN.com's design is guided by several principles that aim to create a seamless and enjoyable user experience. These principles include:
1. Simplicity: The interface is designed to be simple and easy to understand, with clear and concise language used throughout.
2. Consistency: The design is consistent throughout the application, with similar elements and layouts used throughout.
3. Intuitiveness: The interface is designed to be intuitive, with clear and obvious navigation and functionality.
4. Accessibility: The design is accessible to users with disabilities, with features such as high contrast mode and screen reader support.
5. Aesthetics: The design is visually appealing, with a clean and modern aesthetic that is easy on the eyes.
Key Features
NordVPN.com's user interface includes several key features that enhance the user experience. These features include:
1. Server Selection: The interface allows users to select from over 5,000 servers in 60 countries, with options to filter by country, city, or server load.
2. Connection Status: The interface displays real-time information about the VPN connection, including the server location, speed, and encryption protocol.
3. Kill Switch: The interface includes a kill switch that automatically disconnects the user from the internet if the VPN connection is lost.
4. Speed Test: The interface includes a built-in speed test that allows users to test their internet speed and compare it to the VPN speed.
5. Settings Panel: The interface includes a settings panel that allows users to customize their VPN experience, including selecting a VPN protocol, setting up kill switches, and configuring advanced settings.
Effectiveness
NordVPN.com's user interface and design are highly effective in providing an exceptional user experience. The clean and intuitive design makes it easy for users to navigate and use the application, while the features and functionality provide a high level of customization and control. The interface is also highly responsive and fast, making it easy to use on a variety of devices and platforms.
Conclusion
In conclusion, NordVPN.com's user interface and design are critical components of the application's overall success. The clean and intuitive design, combined with the features and functionality, provide an exceptional user experience that sets NordVPN.com apart from other VPN providers. By understanding the design principles and key features of NordVPN.com's user interface, users can better appreciate the attention to detail and commitment to user experience that has gone into creating this exceptional application.

Mega Information Thread about Windows Keys
This thread is intended to be a mega information thread on how to safely acquire Windows 11 key for cheap. You should still do your due diligence as a consumer and this thread should simply serve as a rough guide.
Can I get Windows 11 for free?
You can simply run Windows 11 for free. This is possible but you'll have an ugly permanent watermark that will overlay everything and the features you'll be able to use will be limited. There are also ways to pirate Windows with scripts. I would highly advise against these methods as I've had many people come into my IT store with there PC's completely bricked from trying to do this. These scripts are also not audited by anyone for legitimacy and could very well be backdoors for hackers to access your personal information. You're better off just sourcing a Windows 11 key cheap or keeping your Windows inactivated and dealing with the Watermark.
What is the Grey market?
You often hear the term "Grey market keys" thrown around. It often carries a negative stigma. People will often claim that these types of keys have been paid for with stolen credit cards and aren't legitimate. This isn't necessarily true. It is entirely possible to acquire Windows keys through a third party that isn't Microsoft that are perfectly legitimate. Often, when an office clears out and decommissions their computers, they are recycled for parts or refurbished for resale. You can resell the operating system so long as it has been deactivated on that computer. This is perfectly legal. You're within your consumer rights to resell software the same way you can resell a book.
OEM vs Retail
OEM keys are "Original Manufacturer keys" and are intended to be used with computers made by the manufacturer that created the key with Microsoft's authorised key generators. If the manufacturer violates these terms by distributing the keys to consumers. Then Microsoft may deactivate all the keys. Due to this, It's better to go with Retail keys as they are intended for the consumers. There is no reason for Microsoft to ever deactivate these keys. They are permanent.
How to get a Windows 11 key cheap?
There are a few sites to use when keeping in mind that you want the key to be retail and for a reasonable price. I've used the sites below to activate the PC builds for my customers and haven't had any issues so far.

• https://vendafly.com/
• https://digitalchillmart.com/

I'm sure there are other sites out there that are legitimate and within this price range too. Feel free to message me about these options and I may add them to the list.

My background is primarily contracts among with some work in public policy and audit. I'd like to make a change, but not really sure what I want to do, I just know I don't want to be a contract manager anymore. I'm the type that works well independently, you can leave alone to get stuff done, and can take in large amounts of work and I'll read it all, down to the footnotes. I'm good with process improvement and strategic planning. Thoughts on what type of role might be a good pivot?

I am in a dilemma. Please suggest/provide valuable opinion. Trying to understand maths behind long term savings.
We have been living in Tulsa since last 4 years, renting apartment ( Total expense for 2B1B: Rent plus Utilities plus Wifi is $1350).
We have $155k cash in Apple wallet and that type of cash sitting is not making sense to me if we do not purchase a house. We thought of buying a house in DFW since last year but stopped due to rising mortgage rates. My 401k is maxed out but still sitting at $65k and Roth IRA is at $15k. Stocks are worth $75k which are not showing that kind of explosive growth like in the past. We initially liked North Forth Worth but weather is something which we really hate of Texas.
We are family of 3 ( 1 year old kid) earning combined salary of $250k.

1. Should we first switch our jobs as our pay is not increasing given the amount of experience we have? The only pro right now is that we are working remote and now a days all are requiring to work in office settings. We wrestle struggling to make a decision just hoping things do not get out of control in the future.
   
2. If we do not buy a house, what can we do with cash money, how to invest for time being and do with future cash? We keep our monthly expenses around 1000$. I am just worried if I am missing anything when it comes to growing financial wealth and perks of big cities. We are from India currently on work visas. Kid is US citizen.
   
3. Should we buy a house now or wait another year or two.
   

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I’m fairly new to the acting world and I’m not entirely sure how to navigate it.
I started December of last year and am on Casting Networks, Central Casting, and Extras!
I get about two days a month from Extras!, once in a blue moon I’ll get something from Casting Networks, and Central Casting I’ve gotten so many availability checks but still haven’t been booked once! I’ve been feeling pretty down about all of this and have been thinking about giving up and doing a non creative job so I can afford to live.
I feel weird saying this, but I know I’m a good looking woman with a nice figure and when I show up to a job, I know exactly how to style myself for any character. I own a very nice, high-end modern wardrobe and many vintage pieces to do pretty much any decade. I really take care to look my very best and most authentic which can take hours to prep. When I get onto set, I feel like I’m trying too hard because I see that others often do not put the effort I put in (appearance, professionalism, and skill) but they’re seemingly getting booked much more often than I am. I’m always hearing about everyone’s many jobs and auditions. I’m trying so hard but why am I not getting the same?
Unfortunately, I don’t think there’s any way for my efforts to be noticed in order to get more work. People don’t get cast by their resumes or recommendations or their effort on set. There’s no way to show my dedication on Casting Networks. It might be that landing work is only dependent on my photos.
I have a DSLR but no lighting equipment- I plan to learn about lighting so I can take better shots of myself but I need money to buy umbrellas and backdrops and all of that. It has been difficult for me because I have no natural light in my living space and only one white space to take photos against outside, but it’s at an angle away from the sun, so the lighting is always abnormally unflattering and too shaded.
And then there’s the issue of wardrobe. I have so, so many options and can do pretty much any look requested. But it takes a LOT of time and effort to shoot and look perfect on the daily. And there’s so many possibilities- I’m a girl with RANGE. Should I only be posting one type of look? Or would that be selling myself short?
Should I only be doing very minimalist basic casual, everyday person sort of looks or should I show off some style? What kind of style is most appealing to casting?
Do I need to only be posting one casual, one business, one cocktail and nothing else? What do they mean by cocktail anyway? A lot of the times cocktail can mean a club dress according to costumes.
Should they be trendy or more basic?
Do I need to take down all of my other wardrobe shots because I got a haircut?
Would finding an agent be a wise decision in getting more work? Or is that too expensive?
Everyone keeps asking for an IG link but mine is a personal account I recently made public and I haven’t posted in several years. Are they asking to see my personal style or does that mean they’re hiring influencers only?
I’m not on the casting side of things so I have no idea what everyone else is uploading or doing but I feel like I’m doing it all wrong
Also- I signed up for Central Casting four months ago and haven’t gotten any work. I booked the earliest time and did not know they would be taking photos, so I don’t look great and it’s not representative of how I usually appear in public. I haven’t been able to book another time to redo them. Is casting on central casting is dependent on the in-office photos or am I just not the right fit for any projects?

Hey all,
I'm 31 and have been contributing to a 401k for around 5 years now. When I started I didnt have any idea what I was doing so I had it all managed by a Financial Engines robo-investor. I've decided that's unnecessary and am more comfortable now so I've wrested back control and am looking to build a largely set and forget portfolio (without the management fees). Luckily, my employer has some excellent options starting with Vanguard Target Date Funds with a net ER of 0.045%. other options include:
BLCKRCK Equity Index (tracks SP500): 0.0175
BR RUSSEL 3000 IDXF (tracks BR RUSSELL 3000 IDX, closest to total domestic I have): 0.02%
INTL EQUITY INDEX (tracks MSCI ACWI ex-US IMI Index, closest to total international market): 0.06%
State Street Russel Small/Mid Cap Index Securities Lending Series Fund Class II (tracks Russel Small Cap Completeness Index): 0.02%
State Street US Bond Index Securities Lending Series Fund Class IV (tracks Bloomberg US Aggregate Bond Index, approximates total bonds): 0.02%
The robo-investor had me in all of these with a 10% holding of the 2055 TDF, which doesn't seem entirely necessary to me. Even without the robo-investor Fidelity offers free automatic annual rebalancing to my target allocations, so it seems like a three fund type structure is nearly as hands off as just a target date at that point, at least for the next decade or so until bonds start ramping up. Mostly I was wondering if I'm missing something, as building a quick three fund (say 60/30/10 of the 3000 index, intnl index, bond index) with automatic balancing looks like roughly equivalent to the TDF with a small decrease in expenses (~0.032% vs 0.045%). I know this difference is largely negligible but if there's no real drawbacks there I figure why not take the discount and just switch to target date once glide paths actually begin. Any advice, or anything I'm missing as far as TDF fund advantages vs 3-fund with auto rebalancing? Or advice on using the SP500+Small Cap Index vs 3000 index?

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• Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. I can regularly make myself available to help students with last-minute & same-day academic requests.
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• Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
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• Test Taking Experts: With the vast experience my team and I have in taking classes for students, we are proficient in a wide range of subjects and can ace exams across various disciplines. We have specialists in every area, guaranteeing you'll be paired with a test-taker who will deliver outstanding results.
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Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete.
Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.
𝐀𝐁𝐎𝐔𝐓 𝐌𝐘 𝐑𝐀𝐓𝐄𝐒 & 𝐏𝐀𝐘𝐌𝐄𝐍𝐓 𝐎𝐏𝐓𝐈𝐎𝐍𝐒:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide.
• Payment Methods: Zelle, Apple pay, Btc

I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text and phone almost 24/7/365.
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𝙈𝙔 𝙏𝙀𝘼𝙈 𝘼𝙉𝘿 𝙄 𝘾𝘼𝙉 𝙃𝘼𝙉𝘿𝙇𝙀 𝙏𝙃𝙀 𝙁𝙊𝙇𝙇𝙊𝙒𝙄𝙉𝙂 𝘼𝘾𝘼𝘿𝙀𝙈𝙄𝘾 𝙏𝘼𝙎𝙆𝙎 𝙁𝙊𝙍 𝙔𝙊𝙐:

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If you are unable to Pass your Nursing Exams, Quizzes, Tests or Unable to Handle Homework Assignments or full course online, Get paid help from Online Helpers at Hiraedu!
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
𝐓𝐎𝐏 𝐑𝐄𝐀𝐒𝐎𝐍𝐒 𝐖𝐇𝐘 𝐈'𝐌 𝐓𝐇𝐄 𝐌𝐎𝐒𝐓 𝐋𝐄𝐆𝐈𝐓 𝐄𝐗𝐀𝐌, 𝐇𝐖, 𝐎𝐍𝐋𝐈𝐍𝐄 𝐂𝐋𝐀𝐒𝐒 𝐓𝐔𝐓𝐎𝐑 𝐎𝐍 𝐑𝐄𝐃𝐃𝐈𝐓:

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• 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
• Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
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Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete.
Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.
𝐀𝐁𝐎𝐔𝐓 𝐌𝐘 𝐑𝐀𝐓𝐄𝐒 & 𝐏𝐀𝐘𝐌𝐄𝐍𝐓 𝐎𝐏𝐓𝐈𝐎𝐍𝐒:

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• Disclaimer About Rates: Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide.
• Payment Methods: Zelle, Apple pay, Btc

I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text and phone almost 24/7/365.
𝐓𝐀𝐆𝐒:
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My family (me, husband, 2 teens, 2 elementary-aged kids) has been involved with a local community/children’s theater for 10+ years. It’s just my husband and I and our two youngest at this point because our oldest isn’t into theater anymore and the younger teen (15, I’ll call her M) is heavily involved in her school’s theater and chorus programs and is very busy.
This summer the community theater is doing an all-ages show (very casual thing, everyone gets a part) that the 4 of us (parents + kids) are participating in. My husband and I have done a few of these with our younger kids and have been hoping that M would join us sometime (which she knows), but we understand she’s busy and not a huge fan of these all-ages shows (she did a couple several years ago.)
As we were leaving for our audition (just for role placement), I half-jokingly said “I wish you would do this show with us!” to M, and to my complete surprise she said “eh, maybe I will, idk, can I send in a video audition?” Once her younger siblings heard this they were so excited at the prospect of her joining us, begging her to do it, etc (ngl, I was excited too, she’s not exactly super into family activities these days.) Video auditions are common so I told her I thought it was fine but would verify with the director at our audition. The director said absolutely, have her send it tonight, we haven’t seen her in a while, etc.
We (kids + parents) were excited but I got the impression that M was really kind of on-the-fence about it and maybe even slightly regretting agreeing to it. However she’s improved a lot since she last did a show with this theater and I think she was also a little excited to see how it would play out.
So she emails the audition in, 2 days later the cast list comes out and she’s not on it. Like I said, everyone gets a part in these shows so I knew something was wrong.
Well, it turns out that her email somehow ended up in the Director’s Spam and never got viewed. Director said this has never happened before in all her years of doing this and felt terrible, but said there wasn’t really anything she could do besides offer her an ensemble spot and waive the participation fee (I completely understand this and wasn’t expecting her to do anything else.)
M wasn’t particularly upset about the whole thing and basically said “oh well, I guess I’ll just skip it then.” (the rest of us were really looking forward to her participating and were super bummed.) M is slightly less busy during the summer but still has a lot going on, and she wasn’t dying to do it in the first place, so she just wasn’t interested in giving up an evening each week all summer for an ensemble part that wasn’t even based on her audition.
I want to be clear that if she had been placed in the ensemble based on her audition, she would not have quit. She’s certainly been in ensembles before, has never quit a show (or wanted to) and understands the nature of the business.
However….these all-ages shows are not very competitive. It’s mostly parents wanting to do something fun with their kids, with the occasional “theater kid” or 2 thrown in. M has had years of voice lessons, done multiple acting workshops, is in Honors Chorus at school, and has been in dozens of shows (including in her High School’s pretty competitive theater program). I’m not wanting to sound like I think she’s some amazing superstar (she’s solidly middle-of-the pack in her HS program) but it’s a pretty safe assumption that had her audition been viewed she would have gotten some type of bigger part (this particular show also has a lot of non-ensemble roles) and I’m sure she knows this too.
There likely won’t be another chance for her to do a show with us because she’s super busy during the school year and next summer will be 16 and working (and won’t go out of her way to squeeze this in) so this is such a bummer overall for the rest of us.
But M’s primary concern is if she’s coming off as “a diva” (her words) by turning down the ensemble part and just skipping the show. She’s a really responsible, hard-working kid and hates the thought of people (mainly that director) thinking of her that way.
What do you think?
Added: I’m confused about the downvotes 😞 I wasn’t trying to pressure her - I’m just a mom who was excited about spending more time with my teen doing something she enjoys (theater).
Also, I am going to eventually delete this because the details are pretty distinctive and I don’t want anyone else involved in this theater program to come across this.

I am having a hard time figuring out what my next steps are to do financially.
I work an office job, however I am ready to make career shift via masters degree in unrelated field. I am doing a program type which has no funding available, also the ROI in terms of dollars isn't that great. Basically graduating and earning less than starting career salary and will take me quite a few years build back up to current salary.
My plan is to work full time in current job while doing school part time for as long as possible. The final year I most likely will have to swap and do full time school part time work.
I am estimating on the highest end if I take 4 years for the masters to cost $34k. I already have first year of school saved thanks to stashing money away per paycheck to high yield savings which I will continue to do as long as I have the dollars to so.
My goal is to take no loans for grad school , otherwise minimal loans as I already have ~$29k in undergrad debt ( the highest interest rate from the bunch is 4.8% ). I am paying minimum monthly payments on standard plan.
8% personal contribution + 7%employer match is going towards is going towards 401K
Started a Roth IRA recently, will hit $2400 in contibutions by end of this year.
I have 4 months of emergency fund saved.
In addition to schooling I'd like to purchase a home in the next 2-5 years. I have been sitting on down payment of 10% and closing costs for a while now, sadly house prices + interest rates have been way outside of budget to make the jump.
Within the next year I plan to move from my apartment to a roommate situation to have more clearance in budget for savings goals. Housing is at 35% of my net income now.
My question is where do I go from here besides parking money in high yield savings?
Max out IRA, possibly use some of those funds for house/ school? Get into cd/ t bills ladders? Try to find more aggressive ways to grow existing savings via investing? Or maybe something else the folks on here can recommend because I feel like there's not too much I can do with most of my goals in near term horizon within 5 years.

Here’s my situation,
I have a 401k sat at approx. 50k from my current job. I also have amassed around 30k in debt due to 2 major life events (legal costs & an underinsured surgery).
I found out recently, once I leave my current job I’m eligible 30 days later to withdraw the full amount with a tax penalty, or withdraw an amount and roll a portion into another type of account (Roth etc).
Is it smarter to split the amount and cover almost all my debts while understanding it’ll leave me in a tricky situation for retirement (I’m 33 now), or go down routes of things like bankruptcy and just live with the marks on my credit file for a long time?
I’ve got literally zero in savings, but I’m willing to contribute as much as physically possible per year to a Roth IRA if that is the course of action.
Looking for suggestions.

I create a CRM in Django CRM converting it from my popular Laravel CRM project. The default CRM mirrors SugarCRM/Suite structure. It also has some new features like unlimited relationships between modules.
The cool feature is it is also an AI powered CRM that lets you create a CRM by describing it.

pip install iceburgcrm 

https://github.com/iceburgcrm/iceburgcrmpython
This is my first Django project. I tried to reuse as much code as possible so the application mirrors a Laravel application using orator, Django Breeze.
I would love any feedback and suggestions for best practices.
Description Iceburg CRM is a metadata driven CRM with AI abilities that allows you to quickly prototype any CRM. The default CRM is based on a typical business CRM but the flexibility of dynamic modules, fields, subpanels allows prototyping of any number of different tyes of CRMs.

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• Vue 3 for the frontend
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Im 22 with a stay at home wife and child. I have a good job taking home 6k a month with a company match 401k at 6% and a pension. The only savings I have right now is a CD account with 25k in it. The only debt i have is a car loan. I feel like I should be doing some type of investment so I can set myself up for retirement around 50 but I have no idea where to start or what to do.

Let’s say I did audit at a big 4 in a big city for 3 years and have my CPA.
What type of accounting/advisory related business can I start with so little experience?
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11. ATI Exams and Medical Exams: RN Maternal Newborn 2019 with NGN RN Nutrition RN Pharmacology RN Targeted Medical Surgical Neurosensory and Musculoskeletal RN Targeted Medical Surgical Renal and Urinary RN Targeted Medical Surgical Endocrine RN Fundamentals with NGN RN Targeted Medical Surgical Cardiovascular RN Targeted Medical Surgical Respiratory RN targeted Medical Surgical Fluid, Electrolyte, and Acid-Base 2019 RN Targeted Medical Surgical Immune RN Targeted Medical Surgical Gastrointestinal ATI Nursing informatics and Technology ATI Anatomy and Physiology ATI Capstone Proctored Comprehensive Assessment ATI Fundamentals 2020 with NGN Adult Medical Surgical 2020 with NGN Comprehensive Predictor 2023 ATI Dosage calculation ATI Capstone management ATI Capstone mental health ATI Capstone Pharmacology ATI Capstone Adult Medical Surgical ATI Capstone Nursing care of maternal/child and women's health ATI Capstone Fundamentals ATI Capstone Predictor Exam TEAS exam study guide ATI Teas 7 Study guide Adult Health Med Surg TEAS 7 HESI exit exam HESI RN Exit Test HESI RN Exit Exam Exit HESI Nursing School Comp Exam Medical School Comprehensive Exam Shelf exam Pass the Comp Pass Comp Exam Kaplan Comp Exam Kaplan Comprehensive Exam Clinical Science Math Validation Med-math Medsurg ATI ATI Fluid, Electrolyte, and Acid-Base regulation Peds ATI Pediatric ATI Comm Health Comprehensive Nursing ATI Exam Pharmacology ATI exam Maternal newborn ATI exam Pharm ATI ATI exam remediation Maternal ATI Exam Mental ATI exam Fundamentals ATI exam Peds ATI exam Nutrition ATI exam ATI nursing test Mental health ATI exam Capstone ATI Exam ATI Comprehensive Exit Exam Community ATI OB Maternal newborn ATI remediation HESI mental health HESI PN exit HESI Med surg HESI fundamentals RN Community Health RN Exit HESI Readiness for NCLEX RN Exit NGN HESI Assessment Next Generation NCLEX RN Comprehensive Predictor 2023 Next Generation questions ATI exam study guide ATI test remediation HESI exam Comprehensive ATI exam Comp ATI exam Comp HESI exam ATI testing ATI test prep ATI TEAS test prep TEAS exam preparation TEAS Test Practice Pass ATI Pass the TEAS Pass the HESI Medication proficiency exam Math Validation exam safeMedicate Med Math Competency LPN final exam Next Gen NCLEX CJE exam Clinical Judgment Exam Medical-surgical Health assessment Readiness exam Maternal-child Case study questions and more!

𝐌𝐘 𝐄𝐃𝐔𝐂𝐀𝐓𝐈𝐎𝐍𝐀𝐋 𝐒𝐎𝐅𝐓𝐖𝐀𝐑𝐄 𝐎𝐅 𝐄𝐗𝐏𝐄𝐑𝐓𝐈𝐒𝐄:
Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom Examplify Exam Soft Pro Proctor Proctor U ExamRoom AI RPnow DMV Traffic School Help Lockdown Browser OEM PSI exam Lockdown OEM Tableau
If you are unable to Pass your Accounting Exams, Quizzes, Tests or Unable to Handle Homework Assignments or full course online, Get paid help from Online Helpers at Hiraedu!
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
𝐓𝐎𝐏 𝐑𝐄𝐀𝐒𝐎𝐍𝐒 𝐖𝐇𝐘 𝐈'𝐌 𝐓𝐇𝐄 𝐌𝐎𝐒𝐓 𝐋𝐄𝐆𝐈𝐓 𝐄𝐗𝐀𝐌, 𝐇𝐖, 𝐎𝐍𝐋𝐈𝐍𝐄 𝐂𝐋𝐀𝐒𝐒 𝐓𝐔𝐓𝐎𝐑 𝐎𝐍 𝐑𝐄𝐃𝐃𝐈𝐓:

• Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. I can regularly make myself available to help students with last-minute & same-day academic requests.
• Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
• 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
• Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
• Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor, Examplify, ExamSoft, Lockdown Browser
• Test Taking Experts: With the vast experience my team and I have in taking classes for students, we are proficient in a wide range of subjects and can ace exams across various disciplines. We have specialists in every area, guaranteeing you'll be paired with a test-taker who will deliver outstanding results.
• Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats.
• 1,000+ Exam Score Photos: I have a collection containing literally over 1,000+ photos of the grades I achieved on over 1,000+ exams I completed for other students since Jan 2020.
• Reviews & Testimonials: I have multiple verified testimonials from actual students who have used my services in the past praising my legit five-star academic services.

𝐇𝐎𝐖 𝐈 𝐂𝐀𝐋𝐂𝐔𝐋𝐀𝐓𝐄 𝐅𝐈𝐍𝐀𝐋 𝐑𝐀𝐓𝐄𝐒:
Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete.
Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.
𝐀𝐁𝐎𝐔𝐓 𝐌𝐘 𝐑𝐀𝐓𝐄𝐒 & 𝐏𝐀𝐘𝐌𝐄𝐍𝐓 𝐎𝐏𝐓𝐈𝐎𝐍𝐒:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide.
• Payment Methods: Zelle, Apple pay, Btc

I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text and phone almost 24/7/365.
𝐓𝐀𝐆𝐒:
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If you are unable to pas your Online Exam, Assignment and couldn't handle online courses workload, get paid help from Online Helpers at Hiraedu!
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
AACADEMIC TASKS MY TEAM AND I CAN COMPLETE:

• Entire Degree Programs
• Full Online Classes (1 - 20+ Weeks Long)
• Proctored Exams Quizzes Tests
• Homework Assignments
• Research Papers Term Papers Essays
• Projects & Labs
• Discussion Posts
• Annotated Bibliographies
• Employment Assessments
• Certification Programs

MY TEAM'S CLASSES OF EXPERTISE:

• Statistics: AP Statistics Biostatistics Business Statistics Elementary Statistics Intro to Statistics Psychology Statistics Social Science Statistics Statistics & Probability Statistical Methods Statistical & Probability Models
• Math: Advanced Functions Algebra Calculus 1, 2, 3 (and 4 in some schools) Vector Calculus Differential Calculus Integral Calculus Multivariable Calculus Differential Equations Discrete Math Discrete Structures Finite Mathematics Functions Geometry Linear Algebra Precalculus Probability Real Analysis Statistics Trigonometry Quantitative Methods & Reasoning
• Science: Anatomy & Physiology Astronomy Biochemistry Biology Chemistry (General, Inorganic & Organic) Dental / Pre-Dental Earth Science Engineering (Almost All Types) Environmental Science Epidemiology Fluid & Mechanics Geology Geophysics Medicine / Pre-Med Microbiology Neuroscience Physics Physical Science
• Business: Accounting Auditing Banking Business Administration Business Law Corporate Finance Cost Accounting Econometrics Economics Finance Financial Institutions Financial Reporting Global Economics Governance International Economics Macroeconomics Management Marketing MBA Courses Mergers and Acquisitions Microeconomics Operations Management Principles of Accounting Real Estate Taxation
• English: Business Writing Creative Writing Critical Reading Digital Media Eastern Literature English Literature Essays Expository & Persuasive Writing Fiction Writing Greek and Roman Philosophy Grammar Poetry
• Humanities & Social Sciences: Architecture Anthropology Art History Communication Criminal Justice Forestry Ethnic Studies Film History Law Pre-Law Music Philosophy Political Science Psychology Psychiatry Religious Studies Sociology Theology Women Studies
• Computer Science & Programming: Android AWS Azure Blockchain Cryptocurrency Smart Contracts C C# C++ Cloud Computer Organization and Assembly Languages CSS Data Science Data Structures and Algorithms Deep Learning Design Patterns Game Design and Development iOS Java Javascript Machine Learning MATLAB MySQL Networking NoSQL Object Oriented Programming Operating Systems PHP Principles of Computer Science Programming for Virtual Reality Programming Languages Python R Robotics Ruby Software Engineering SQL Swift Web Development

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom

TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:

1. U.S. Citizenship Status: I have native-born U.S. citizenship status, an 100% authentic & natural U.S. American accent, and a verified New Jersey, USA residence. I can speak on the phone professionally in both perfect native U.S. English and fluent Canadian English.
2. U.S. 212 Phone Number: I have a verified U.S. American business phone number with the prestigious 212 area code (212-380-1856 - Ext 3) that can both send & receive phone calls, texts, voicemails, photos, and website links.
3. Social Media Verified: I have an active & verified online Presence with my name and contact info regularly showing up on all major search engines including: Google, Yahoo, and Bing.
4. Professional Website: I have a professional, well-designed, well-written, 100% secure SEO-optimized WordPress business themed website: HiraEdu. com
5. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
6. Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
7. 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
8. Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original New Jersey IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
9. Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor using 3 highly effective proven methods. Option 1 - WhatsApp: I use WhatsApp to have the student discreetly text me photos of the exam questions outside of the webcam’s view and I text them the correct solutions to the exam questions. Option 2 - Screen Share: Using screen share software like Zoom to see the student’s screen displaying the exam questions and I text the correct solutions. Option 3 - Remote PC Access & Control: Using remote computer access software like to control the student’s mouse and keyboard from my own computer.
10. Study Help Apps: I have over 15+ paid subscriptions to a wide range of study help apps, software, websites, and programs to help me solve exam & homework questions faster and more efficiently. Some of these resources include: Brainly, Chegg, CourseHero, Quizlet, SymboLab & WolframAlpha.
11. Calculators & Math Software: I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
12. Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
13. Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats.
14. Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
15. Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.

HOW I CALCULATE FINAL RATES:

• Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
• Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
• Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.

ABOUT MY RATES & PAYMENT OPTIONS:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, native born U.S. resident status, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Completing someone else's exam, essay, or homework assignment is obviously NOT something you can just freely ask anyone to do, especially on the internet. Therefore, such help should be well-compensated. Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide. However, I may be willing to negotiate rates if necessary.
• Payment Methods: I accept PayPal (required for all Canadian students), Venmo, Zelle, Cash App, and anonymous credit & debit card payments via online invoice.
• Payment Plans: I offer the following payment plans for my services: weekly (most expensive), monthly, half-now / half-later, and all upfront (least expensive).
• Money Back Guarantee: I guarantee the following grades for coursework completed: A+. A, A-, B+, B. and B-. However, I offer a 50% refund for C+, C, and C- grades, and a full 100% refund for D+, D, D-, and F grades.

CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:

• Full Class Help Rates: $595 – $2495 USD
• Exam & Test Help Rates: $150 – $350 USD
• Quiz Help Rates: $60 – $180 USD
• HW Assignment Help Rates: $60 – $420 USD
• Essay & Paper Writing Help Rates: $19 – $29 USD per 300 words

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, and accent. I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• Not Worth the Money: I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• Most Students are Broke: I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes.
• Waste of Time & Energy: Communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine.
• All My Payment Apps are Still Active: If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now.

CONCLUSION:

• My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
• Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text, email, and call almost 24/7/365.

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