Earned income credit
Tax info and discussion for U.S. expats
2015.06.21 09:26 open_spirit Tax info and discussion for U.S. expats
This sub is for Americans who live outside the US, and want to learn about how the US tax law applies to them. For other tax-related topics, please try tax.
2011.11.10 16:15 Financial Independence / Retire Early
This is a place for people who are or want to become Financially Independent (FI), which means not having to work for money. Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. At its core, FI/RE is about maximizing your savings rate (through less spending and/or higher income) to achieve FI and have the freedom to RE as fast as possible.
2007.08.06 07:16 spez Politics
/Politics is for news and discussion about U.S. politics.
2024.05.19 23:17 Upstairs_Walrus3637 Renting is a nightmare
I’ve been on the hunt for a new apartment in LA and wow it’s tough out here. For some context, I’m very fortunate. I am a lawyer and have a partner also in the legal field and we can afford more space than most. However, even with our dual income the options are HORRENDOUS. We were pretty much forced to go up in budget if we wanted to live anywhere remotely close to our jobs and had a space to park.
We finally found this awesome location and applied. The application was $100, they called my job, they called my friends and they called my last 2 landlords. They pulled a search to see if I ever sued a landlord in the past, ran my credit, did a background check etc. it’s all standard stuff these days but SO INVASIVE.
Anyways, we ended up getting scammed. The property company advertised the listing for one price then once we received the lease to sign the monthly rent was $400 more a month than advertised!! We asked wtf was going on and it turns out this is a standard practice in LA now. Landlords advertise for a much lower rent and then once it comes time for the lease they tell you “the last month is free, so the TOTAL rent you pay for the year equals a monthly rent of what was advertised” point is watch out for this shit because now that I’ve seen it I see it everywhere. We backed out of the lease and are still stuck apartment hunting
submitted by Upstairs_Walrus3637 to LateStageCapitalism [link] [comments]
We finally found this awesome location and applied. The application was $100, they called my job, they called my friends and they called my last 2 landlords. They pulled a search to see if I ever sued a landlord in the past, ran my credit, did a background check etc. it’s all standard stuff these days but SO INVASIVE.
Anyways, we ended up getting scammed. The property company advertised the listing for one price then once we received the lease to sign the monthly rent was $400 more a month than advertised!! We asked wtf was going on and it turns out this is a standard practice in LA now. Landlords advertise for a much lower rent and then once it comes time for the lease they tell you “the last month is free, so the TOTAL rent you pay for the year equals a monthly rent of what was advertised” point is watch out for this shit because now that I’ve seen it I see it everywhere. We backed out of the lease and are still stuck apartment hunting
2024.05.19 23:10 KyleKKent OOCS, Into A Wider Galaxy 007
(I LIVE!! I have no idea what's hit me as hard as it did that Friday. But I needed Saturday to recover as well. Clearly wasn't the CPAP as that's working fine now. But good god is this unpleasant. Thankfully I'm clearly on the mend. I think I may have gotten food poisoning from KFC. Pity.)
~First~
Love and Longing
Little Fina’Noir and Dri’Noir still don’t like getting along all that much. So of course they need daddy between them to behave. They lay across his stomach, each out of reach of the other. For all that they ‘don’t’ get along, separating them is worse. They’re clearly best rivals already. They reach for each other and there are tiny puffs of sparks and little tongues of flame. But considering the soft and thin bed of moss on their daddy’s torso, it does nothing but make their little bits of bedding all the more comfortable.
Cia’Noir was visiting again, to be fair she visited so often she had almost moved in, and she was also currently mixing up a meaty broth in the kitchen while humming a nursery rhyme that most of the girls adored. Especially Uma’Noir and Jiti’Noir as they tried to keep tempo with it as grandma semi-swayed, semi-danced to the tune to their delight.
Ari’Noir, Mala’Noir, Gia’Noir and Lia’Noir were all having an extra nap. They had managed to get each other excited and rushing around as best they could earlier and wore themselves out. Leaving Miro’Noir the proud mother to luxuriate next to their shared napping blanket and pillows, casually reading a book.
“Oh? A call?” Vernon asks as his communicator starts buzzing. This grabs the attention of Fina and Dri as he pulls it out. “Observer Wu? Oh, the new ship.”
He activates it and then has the phone levitate away to give a broader look. “Sir, you’ll forgive me for not standing at attention I hope.”
“Yes.” The Asian man says after a moment. “We can excuse the lack of decorum considering that you seem to be thoroughly pinned.”
“What can I say? My little girls are fighters. I’ve heard some rumour about you through The Dark Forest. How may I help?”
“I am doing a preliminary call and evaluation of the situation with humanity off of Earth. We’ve found enough confusion information coming back to us that it necessitated the appointment and dispatching of an unquestionably trusted individual, myself, in order to ascertain exactly what is going on.” Observer Wu stated. “Unfortunately due to the sheer amount of nonsense that’s being sent towards The Inevitable and by extension, myself, I have been forced to place several administrators on duty to sort out the sheer number of calls I’m getting. The galaxy knows this is a second Dauntless Class Vessel, which means more humans.”
“Which means more men, and many women that decided to take a wait and see approach have likely decided that they’ve waited long enough.” Miro’Noir states.
“Indeed that is true madam. I take you are Lady Miro’Noir?”
“Princess, Lady is a more ennobled title. I am a War Princess, a military rank, directly empowered by and under the command of the Imperial Family of Serbow, in particular, The Empress.” Miro’Noir says and Observer Wu nods.
“And the third adult looking into this conversation?” Observer Wu asks.
“I am Cia’Noir, mother, mother-in-law and grandmother depending who in this room you are asking.” She says. “My little girl has worked a miracle in that she’s locked down a husband all to herself. So she needs a bit of a hand to caring for her first clutch, no sister wives to assist you see.”
“I believe I do. Still, I have been informed that Officer Shay and Princess Miro’Noir are largely responsible for the excellent relationships the Apuk have with humanity. If you would be so kind, could you tell me how that came about?”
“Oh... it was silly, sweet and wonderful all at the same time...” Miro’Noir gushes. “We met at a bar and I tried to get some attention, a few credits for a conversation. At first I thought he was a Tret.”
“The near human species, yes.”
“Well, I was proven wrong, not only human, but an INTERESTING human as well. A trinity of criminal fools attacked, and as I rose to show off, he did as well. And displayed a terrifying Axiom power.”
“Terrifying power?”
“Transmutation sir. A very complicated Axiom Technique I had stumbled on and managed to create my own version of. Basically I had bumbled into a way to rapidly learn a monumentally difficult trick and make it extremely lethal in human hands.” Vernon explains.
“I see. Are the notes of your research available on The Dauntless?’
“Yes sir they are, I hope you’ll forgive that... hey!” Vernon is cut off when Fina’Noir starts smacking his stomach. “Be nice little lady!”
“Bah! Bah! Bah bah!” Fina’Noir counters as she smacks him in the stomach again and again.
“Fina’Noir you must be nice with family!”
“Adabababa!” Dri’Noir adds in with a smack of her own to her daddy’s stomach.
“Dri’Noir! Don’t follow your sister’s bad example! Be nice!” Vernon chides her and a smiling Miro’Noir rises up after marking her place in her book and sweeps the more active little girls into her arms.
“There, have your talk with your officer now dear.” Miro’Noir says giving him a peck that he gestures for her to come back to and he gives her a longer kiss in return.
“I’ll be back shortly.” He promises before rising up. The communicator floats into his hand and he offers a salute to Cia’Noir who sends one right back. “I’ll be just in the back yard.”
A few moments and the door is closed behind him. The communicator floats out of his hands and he slips into parade ground ‘at ease’ stance. “Sir.”
“This is a preliminary communication. Not that formal. How well regarded are humans by the Apuk?”
“We have been invited to build a community on their homeworld sir. That kind of privilege is usually extended only to species that are sworn to each other in some way.” Vernon answers.
“That’s very interesting.”
“It was a very strategic move sir. The Empress... she’s one of those kinds of politicians where any action you take short of directly opposing them or attacking them is something they benefit from, and they also know how to handle someone directly opposing or attacking them. She’s friendly and benevolent, but when you realize just how many of her strings you’re dancing on... it’s disquieting.”
“I see, so how did setting up a human community on Serbow help?”
“She requested a specific type to explore the human ease at learning Apuk Sorcery. She did this to not only develop a large number of sorcerers that are more mentally stable than most, but to get ahead of the next few sorcerers, put her in well with humanity, distract the more troublesome nobility and likely more. That was one action. One.”
“Ah... one of those types. Is she scrambling to get things done or does it all seem effortless?”
“Effortless.”
“... Frightening.”
“She’s been directly ruling an entire species for multiple centuries. Even if she was originally installed as a puppet of some kind, which she was not, then she would have had enough time to gain all the skills she needs to be an unstoppable force in the political side of things.”
“I see, anything else?”
“You’ll need some context for this. You are aware that Apuk are naturally inclined to breathe fire using Axiom right?”
“I am.”
“Those trained to use it properly manifest Warfire, it’s... hard to describe. A fire where the heat lingers and pervades much more than normal. It’s like the fire contains their aggression.”
“I see, what of it?”
“There are four grades of Warfire easily distinguished by colour. Red is standard, Blue is considered an expert level, Green is the sheer strength of Battle Princesses only, but the final level is White Warfire, and only The Empress can manifest it at will.”
“I see.” Observer Wu states and Vernon shakes his head.
“Sir, Red Warfire can burn a hole into a starship over the course of a few minutes. It takes a single minute or less for Blue Warfire to do the same. A mere moment for Green Warfire and is so instantaneous for White Warfire it would cause an explosion as the solid metal is converted into a gas instantly.” Vernon explains.
“Really? They’re that dangerous?”
“Sir, it’s legally a form of suicide to attempt to fight a War Princess with odds any less than five to one.” Vernon says and Observer Wu looks impressed.
“I see, and your involvement with their cultural traditions and such?”
“Well, first was the Broken Shell Tournament. A large martial contest with six person free for all fights. The aim is to break the armour or ‘shell’ of all your opponents, not kill them or force them out of the ring. I made it to the final round before I grew upset at one of my opponents, locked her down entirely, and then broke my own armour and walked out. More or less ruining the woman’s reputation and social standing while imprinting myself into the cultural zeitgeist.”
“What happened to the woman in question?”
“She joined a monastery and after achieving journeyman status I offered her a recommendation into The Undaunted as compensation. She’s taken it from my understanding, but as you can imagine, she and I are not on good terms. Or really speaking terms.”
“I see, and the community that has been built?”
“It... kinda ties into our initial journey through Cruel Space.” Vernon says somewhat ruefully. “A lot of us played all kinds of pranks and jokes and things like that to try and stave off the boredom and cabin fever. One of which was banding around a soldier who has ninjas in his ancestry and... pretending to be his legion of ninjas.”
“... The people that took part in that are mostly in the community aren’t they?”
“Yes sir, we’ve built a hidden ninja village in The Dark Forest of Serbow. A massive communal entity that is simultaneously a single mind and the mind of every single thing in the forest.”
“A communal entity? Wait, you said everything in the forest. Does that include the men currently inside it?”
“And me right now. Think of my like a brain-cell to a larger body if you must. While I cannot ignore the needs of the rest of the body, I can also guide it, learn from it, and it’s strength is mine as my knowledge and skills belong to it.”
“And it’s not a security breach?”
“I’m able to keep secrets from it, but what I share with it stays with it. It has however flash taught me the local language of Cinder Tongue, as well as Classical and even Ancient Cinder Tongue. I know the Apuk language and much of their history better than some dedicated historians. Couple that with the extreme area control and tactical advantages of being bonded to the forest and it’s been regarded as a more than fair trade.”
“Area control?”
“The Dark Forest as an entity can absorb heat and grow stronger. I can cause a temporary extension of this ally to appear wherever I am. And considering lasers and plasma are the most commonly used forms of weaponry and Apuk Warfire, it’s a nearly perfect defence. Couple that with just how much it understands about Axiom use towards animals, plants and the earth itself and I can shatter the ground under me with a blink and refuse any solid ground to stand on to my enemies as well. Add on Woodwalking and I am untouchable to my enemies.”
“Woodwalking?”
“The Forest is alive and on my side. I carry a whisper of it within me wherever I go. The Forest can call me back to any extension of itself at any time. Meaning I can in effect always retreat to a safe location no matter the distance, access the supplies I have stored there no matter where I am, and have backup by my side at any moment. Facing a Dark Forest Sorcerer is such a tactical nightmare that we’re considered direct counters to Apuk Battle Princesses, which may I remind you, are legally suicide to fight one to one.” Vernon says. “To say nothing of the other Sorcerers. The Dreadmoss, The Blood Bark The Burning Stone, The Bonechewer, The City Shaker, The Leviathan Lord. Or my own title, The Bloody Prophet.”
“You’re The Bloody Prophet?”
“I recreated the Plagues of Egypt to stop feuding families from slaughtering each other. I am the only Sorcerer who’s title wasn’t earned with a body count. Even if only by a technicality.”
“A technicality?”
“Dare’Char Crushclaw is the Lydris born son of Brin’Char The Bonechewer. He assisted in one of his father’s rampages against his hated enemy by providing transport. While Dare’Char didn’t kill anyone directly, he still enabled his father in that regard.”
“So those nicknames are for supernatural serial killers?”
“It’s more complicated than that.”
“Please explain then.”
“It’s rather hard to, until I became the first human sorcerer, all sorcerers were the result of an Apuk boy or man being pushed to the breaking point. They then flee in the night and find solace in the shadow of The Dark Forest, it bonds with them, protects them and teaches them. But it also reminds them of what drove them to the forest to begin with. Which means that in a few short years, the former victim returns from The Dark Forest, immensly powerful and filled with unthinking rage. Until humans were on the scene, all sorcerers went on at least one rampage and earned their nicknames from them. Since we showed up... there were only two... technically three. One was Brin’Char finding his ancient enemy still alive, so he was set off. Another was when Cals’Tarn joined us, his home was under attack and we counterattacked for him. Saving his home and family. Then there was mine, but no casualties, does it really count as a rampage?”
“I would say bringing the literal wrath of god onto someone would count as a rampage, yes.” Observer Wu states. “I think we will be speaking face to face in short order. It’s quite clear that you are responsible for some fairly major changes.”
“I look forward to it, is there anything else?”
“Not at this time.”
“Good, because I’d like to get back to my wife.”
“You’ve only been apart for...” Observer Wu checks his watch. “Four minutes.”
“Five minutes too many. If you’ll excuse me.”
“You are excused.” Observer Wu says and he turns off the communicator.
~First~ Last
submitted by KyleKKent to HFY [link] [comments]
~First~
Love and Longing
Little Fina’Noir and Dri’Noir still don’t like getting along all that much. So of course they need daddy between them to behave. They lay across his stomach, each out of reach of the other. For all that they ‘don’t’ get along, separating them is worse. They’re clearly best rivals already. They reach for each other and there are tiny puffs of sparks and little tongues of flame. But considering the soft and thin bed of moss on their daddy’s torso, it does nothing but make their little bits of bedding all the more comfortable.
Cia’Noir was visiting again, to be fair she visited so often she had almost moved in, and she was also currently mixing up a meaty broth in the kitchen while humming a nursery rhyme that most of the girls adored. Especially Uma’Noir and Jiti’Noir as they tried to keep tempo with it as grandma semi-swayed, semi-danced to the tune to their delight.
Ari’Noir, Mala’Noir, Gia’Noir and Lia’Noir were all having an extra nap. They had managed to get each other excited and rushing around as best they could earlier and wore themselves out. Leaving Miro’Noir the proud mother to luxuriate next to their shared napping blanket and pillows, casually reading a book.
“Oh? A call?” Vernon asks as his communicator starts buzzing. This grabs the attention of Fina and Dri as he pulls it out. “Observer Wu? Oh, the new ship.”
He activates it and then has the phone levitate away to give a broader look. “Sir, you’ll forgive me for not standing at attention I hope.”
“Yes.” The Asian man says after a moment. “We can excuse the lack of decorum considering that you seem to be thoroughly pinned.”
“What can I say? My little girls are fighters. I’ve heard some rumour about you through The Dark Forest. How may I help?”
“I am doing a preliminary call and evaluation of the situation with humanity off of Earth. We’ve found enough confusion information coming back to us that it necessitated the appointment and dispatching of an unquestionably trusted individual, myself, in order to ascertain exactly what is going on.” Observer Wu stated. “Unfortunately due to the sheer amount of nonsense that’s being sent towards The Inevitable and by extension, myself, I have been forced to place several administrators on duty to sort out the sheer number of calls I’m getting. The galaxy knows this is a second Dauntless Class Vessel, which means more humans.”
“Which means more men, and many women that decided to take a wait and see approach have likely decided that they’ve waited long enough.” Miro’Noir states.
“Indeed that is true madam. I take you are Lady Miro’Noir?”
“Princess, Lady is a more ennobled title. I am a War Princess, a military rank, directly empowered by and under the command of the Imperial Family of Serbow, in particular, The Empress.” Miro’Noir says and Observer Wu nods.
“And the third adult looking into this conversation?” Observer Wu asks.
“I am Cia’Noir, mother, mother-in-law and grandmother depending who in this room you are asking.” She says. “My little girl has worked a miracle in that she’s locked down a husband all to herself. So she needs a bit of a hand to caring for her first clutch, no sister wives to assist you see.”
“I believe I do. Still, I have been informed that Officer Shay and Princess Miro’Noir are largely responsible for the excellent relationships the Apuk have with humanity. If you would be so kind, could you tell me how that came about?”
“Oh... it was silly, sweet and wonderful all at the same time...” Miro’Noir gushes. “We met at a bar and I tried to get some attention, a few credits for a conversation. At first I thought he was a Tret.”
“The near human species, yes.”
“Well, I was proven wrong, not only human, but an INTERESTING human as well. A trinity of criminal fools attacked, and as I rose to show off, he did as well. And displayed a terrifying Axiom power.”
“Terrifying power?”
“Transmutation sir. A very complicated Axiom Technique I had stumbled on and managed to create my own version of. Basically I had bumbled into a way to rapidly learn a monumentally difficult trick and make it extremely lethal in human hands.” Vernon explains.
“I see. Are the notes of your research available on The Dauntless?’
“Yes sir they are, I hope you’ll forgive that... hey!” Vernon is cut off when Fina’Noir starts smacking his stomach. “Be nice little lady!”
“Bah! Bah! Bah bah!” Fina’Noir counters as she smacks him in the stomach again and again.
“Fina’Noir you must be nice with family!”
“Adabababa!” Dri’Noir adds in with a smack of her own to her daddy’s stomach.
“Dri’Noir! Don’t follow your sister’s bad example! Be nice!” Vernon chides her and a smiling Miro’Noir rises up after marking her place in her book and sweeps the more active little girls into her arms.
“There, have your talk with your officer now dear.” Miro’Noir says giving him a peck that he gestures for her to come back to and he gives her a longer kiss in return.
“I’ll be back shortly.” He promises before rising up. The communicator floats into his hand and he offers a salute to Cia’Noir who sends one right back. “I’ll be just in the back yard.”
A few moments and the door is closed behind him. The communicator floats out of his hands and he slips into parade ground ‘at ease’ stance. “Sir.”
“This is a preliminary communication. Not that formal. How well regarded are humans by the Apuk?”
“We have been invited to build a community on their homeworld sir. That kind of privilege is usually extended only to species that are sworn to each other in some way.” Vernon answers.
“That’s very interesting.”
“It was a very strategic move sir. The Empress... she’s one of those kinds of politicians where any action you take short of directly opposing them or attacking them is something they benefit from, and they also know how to handle someone directly opposing or attacking them. She’s friendly and benevolent, but when you realize just how many of her strings you’re dancing on... it’s disquieting.”
“I see, so how did setting up a human community on Serbow help?”
“She requested a specific type to explore the human ease at learning Apuk Sorcery. She did this to not only develop a large number of sorcerers that are more mentally stable than most, but to get ahead of the next few sorcerers, put her in well with humanity, distract the more troublesome nobility and likely more. That was one action. One.”
“Ah... one of those types. Is she scrambling to get things done or does it all seem effortless?”
“Effortless.”
“... Frightening.”
“She’s been directly ruling an entire species for multiple centuries. Even if she was originally installed as a puppet of some kind, which she was not, then she would have had enough time to gain all the skills she needs to be an unstoppable force in the political side of things.”
“I see, anything else?”
“You’ll need some context for this. You are aware that Apuk are naturally inclined to breathe fire using Axiom right?”
“I am.”
“Those trained to use it properly manifest Warfire, it’s... hard to describe. A fire where the heat lingers and pervades much more than normal. It’s like the fire contains their aggression.”
“I see, what of it?”
“There are four grades of Warfire easily distinguished by colour. Red is standard, Blue is considered an expert level, Green is the sheer strength of Battle Princesses only, but the final level is White Warfire, and only The Empress can manifest it at will.”
“I see.” Observer Wu states and Vernon shakes his head.
“Sir, Red Warfire can burn a hole into a starship over the course of a few minutes. It takes a single minute or less for Blue Warfire to do the same. A mere moment for Green Warfire and is so instantaneous for White Warfire it would cause an explosion as the solid metal is converted into a gas instantly.” Vernon explains.
“Really? They’re that dangerous?”
“Sir, it’s legally a form of suicide to attempt to fight a War Princess with odds any less than five to one.” Vernon says and Observer Wu looks impressed.
“I see, and your involvement with their cultural traditions and such?”
“Well, first was the Broken Shell Tournament. A large martial contest with six person free for all fights. The aim is to break the armour or ‘shell’ of all your opponents, not kill them or force them out of the ring. I made it to the final round before I grew upset at one of my opponents, locked her down entirely, and then broke my own armour and walked out. More or less ruining the woman’s reputation and social standing while imprinting myself into the cultural zeitgeist.”
“What happened to the woman in question?”
“She joined a monastery and after achieving journeyman status I offered her a recommendation into The Undaunted as compensation. She’s taken it from my understanding, but as you can imagine, she and I are not on good terms. Or really speaking terms.”
“I see, and the community that has been built?”
“It... kinda ties into our initial journey through Cruel Space.” Vernon says somewhat ruefully. “A lot of us played all kinds of pranks and jokes and things like that to try and stave off the boredom and cabin fever. One of which was banding around a soldier who has ninjas in his ancestry and... pretending to be his legion of ninjas.”
“... The people that took part in that are mostly in the community aren’t they?”
“Yes sir, we’ve built a hidden ninja village in The Dark Forest of Serbow. A massive communal entity that is simultaneously a single mind and the mind of every single thing in the forest.”
“A communal entity? Wait, you said everything in the forest. Does that include the men currently inside it?”
“And me right now. Think of my like a brain-cell to a larger body if you must. While I cannot ignore the needs of the rest of the body, I can also guide it, learn from it, and it’s strength is mine as my knowledge and skills belong to it.”
“And it’s not a security breach?”
“I’m able to keep secrets from it, but what I share with it stays with it. It has however flash taught me the local language of Cinder Tongue, as well as Classical and even Ancient Cinder Tongue. I know the Apuk language and much of their history better than some dedicated historians. Couple that with the extreme area control and tactical advantages of being bonded to the forest and it’s been regarded as a more than fair trade.”
“Area control?”
“The Dark Forest as an entity can absorb heat and grow stronger. I can cause a temporary extension of this ally to appear wherever I am. And considering lasers and plasma are the most commonly used forms of weaponry and Apuk Warfire, it’s a nearly perfect defence. Couple that with just how much it understands about Axiom use towards animals, plants and the earth itself and I can shatter the ground under me with a blink and refuse any solid ground to stand on to my enemies as well. Add on Woodwalking and I am untouchable to my enemies.”
“Woodwalking?”
“The Forest is alive and on my side. I carry a whisper of it within me wherever I go. The Forest can call me back to any extension of itself at any time. Meaning I can in effect always retreat to a safe location no matter the distance, access the supplies I have stored there no matter where I am, and have backup by my side at any moment. Facing a Dark Forest Sorcerer is such a tactical nightmare that we’re considered direct counters to Apuk Battle Princesses, which may I remind you, are legally suicide to fight one to one.” Vernon says. “To say nothing of the other Sorcerers. The Dreadmoss, The Blood Bark The Burning Stone, The Bonechewer, The City Shaker, The Leviathan Lord. Or my own title, The Bloody Prophet.”
“You’re The Bloody Prophet?”
“I recreated the Plagues of Egypt to stop feuding families from slaughtering each other. I am the only Sorcerer who’s title wasn’t earned with a body count. Even if only by a technicality.”
“A technicality?”
“Dare’Char Crushclaw is the Lydris born son of Brin’Char The Bonechewer. He assisted in one of his father’s rampages against his hated enemy by providing transport. While Dare’Char didn’t kill anyone directly, he still enabled his father in that regard.”
“So those nicknames are for supernatural serial killers?”
“It’s more complicated than that.”
“Please explain then.”
“It’s rather hard to, until I became the first human sorcerer, all sorcerers were the result of an Apuk boy or man being pushed to the breaking point. They then flee in the night and find solace in the shadow of The Dark Forest, it bonds with them, protects them and teaches them. But it also reminds them of what drove them to the forest to begin with. Which means that in a few short years, the former victim returns from The Dark Forest, immensly powerful and filled with unthinking rage. Until humans were on the scene, all sorcerers went on at least one rampage and earned their nicknames from them. Since we showed up... there were only two... technically three. One was Brin’Char finding his ancient enemy still alive, so he was set off. Another was when Cals’Tarn joined us, his home was under attack and we counterattacked for him. Saving his home and family. Then there was mine, but no casualties, does it really count as a rampage?”
“I would say bringing the literal wrath of god onto someone would count as a rampage, yes.” Observer Wu states. “I think we will be speaking face to face in short order. It’s quite clear that you are responsible for some fairly major changes.”
“I look forward to it, is there anything else?”
“Not at this time.”
“Good, because I’d like to get back to my wife.”
“You’ve only been apart for...” Observer Wu checks his watch. “Four minutes.”
“Five minutes too many. If you’ll excuse me.”
“You are excused.” Observer Wu says and he turns off the communicator.
~First~ Last
2024.05.19 23:10 breakneckpeas Recommendation for first travel card for someone that doesn’t currently travel much
I appreciate any help. I am somewhat savvy with non-travel cards, but this is a big blindspot for me.
Current cards: Discover It: $5k, July 2018 (started secured) Chase Freedom: $15k, June 2019 AMEX Blue Cash Preferred: $25k, June 2022 (AU on this one, wife is primary)
FICO Score: 770
Oldest account age: Oldest CC is six years
Income: $150k household gross, $80k personally
Average monthly spend and categories: dining: $150 groceries: $600 gas: $150 travel: minimal other: $1,700
Open to Business Cards: No
What's the purpose of your next card? I am looking to collect/save up flight points/miles to use on one or two vacations a year. My wife and I rarely travel, especially now with a toddler. I would like to be able to pay for travel (flights) through rewards gained on general purchases. I’ve thought for the longest time that you can only get travel rewards if you spend your credit card purchases ON travel or flights. I’ve now found out that may not be the case. I’d be open to an annual fee under $100 if I’d get good value for it.
Do you have any cards you've been looking at? I’ve read a couple “best travel card” lists.
Are you OK with category spending or do you want a general spending card? I’d prefer general spending.
submitted by breakneckpeas to CreditCards [link] [comments]
Current cards: Discover It: $5k, July 2018 (started secured) Chase Freedom: $15k, June 2019 AMEX Blue Cash Preferred: $25k, June 2022 (AU on this one, wife is primary)
FICO Score: 770
Oldest account age: Oldest CC is six years
Income: $150k household gross, $80k personally
Average monthly spend and categories: dining: $150 groceries: $600 gas: $150 travel: minimal other: $1,700
Open to Business Cards: No
What's the purpose of your next card? I am looking to collect/save up flight points/miles to use on one or two vacations a year. My wife and I rarely travel, especially now with a toddler. I would like to be able to pay for travel (flights) through rewards gained on general purchases. I’ve thought for the longest time that you can only get travel rewards if you spend your credit card purchases ON travel or flights. I’ve now found out that may not be the case. I’d be open to an annual fee under $100 if I’d get good value for it.
Do you have any cards you've been looking at? I’ve read a couple “best travel card” lists.
Are you OK with category spending or do you want a general spending card? I’d prefer general spending.
2024.05.19 23:09 sprezzy $45k 0% CC Debt due April 2025
Hi all,
I have until April 2025 to pay off $45k credit card debt. If I don't pay it off by April 2025, it starts accruing interest. The debt is spread pretty evenly across two cards and the rates that would kick in are 20.99% and 23.24%. I don't know where to get started and it is giving me extreme anxiety because $45k of credit card debt seems daunting.
Here are the numbers:
Based on the numbers themselves, it looks like I should have enough leftover each month to pay off at least a big chunk of it, but I don't usually actually end up having what I should have leftover at the end of the month. It is usually $1,000-$1,500.
Here are the options I see:
Any insight would be greatly appreciated. Please let me know if I've missed anything in terms of numbers or other options to deal with this.
submitted by sprezzy to personalfinance [link] [comments]
I have until April 2025 to pay off $45k credit card debt. If I don't pay it off by April 2025, it starts accruing interest. The debt is spread pretty evenly across two cards and the rates that would kick in are 20.99% and 23.24%. I don't know where to get started and it is giving me extreme anxiety because $45k of credit card debt seems daunting.
Here are the numbers:
- Income: $250k base with $50k-$100k bonus.
- Income after taxes, 401k, benefits, etc: $11,500/month
- Housing (all-in, incl. mortgage, tax, insurance, etc.): $6,500/month
- Water: $25-$50/month
- Gas: $25-$50/month
- Electricity: $50-$100/month
- Internet: $135/month
- Phone (covered by employer): $0/month
- UbeLyft: $100-200/month
- Pet Insurance: $150/month
- Food - Groceries: $250-$500/month
- Food - Restaurants/Delivery: $500-$1000/month
- Hair: $200-$250/month
- Dog Grooming: $75-100/month
- Dog Food/Treats/Toys: $200-$300/month
- Dog Daycare/Walking/Sitting: $250-$500+/month
Based on the numbers themselves, it looks like I should have enough leftover each month to pay off at least a big chunk of it, but I don't usually actually end up having what I should have leftover at the end of the month. It is usually $1,000-$1,500.
Here are the options I see:
- Try to save as much as I can in a HYSA and when Feb/March 2025 rolls around, I pay off what I have saved (likely $12k-$18k) and then try to get a balance transfer to another card with 0% interest offer? I'm still getting those offers for my existing cards as well as offers to open new cards with 0%. The length of the 0% for those offers seem to be anywhere from 12-18 months but have a 3-5% transfer fee.
- Try to get a personal loan. I'm getting offers for personal loans at 7% interest.
- Reduce by reductions for 401k until I pay it off, because that would free up a huge chunk of change.
Any insight would be greatly appreciated. Please let me know if I've missed anything in terms of numbers or other options to deal with this.
2024.05.19 23:08 NefariousnessNext840 Navigating Retirement Savings: Balancing Aspirations with Realistic Growth Expectations.
Hi everyone,
I wanted to share some insights and calculations regarding my retirement savings and get your thoughts and feedback.
1. Pension Fund:
These projections provide a realistic outlook on my potential retirement savings, assuming a 2.5% annual increase in contributions to account for inflation and an 8.8% CAGR for long-term growth. I welcome any feedback or insights you may have—thank you!
While I've considered increasing my monthly contributions further, I believe I have found an optimal balance. This balance allows me to invest wisely for the future while still enjoying my present lifestyle without compromise. Additionally, I maintain a safety net by saving six months of my income in an easy-access cash ISA, currently earning a 5.10% AER (variable tracker).
I also explored the possibility of retiring at 60 and ran the numbers to see if I could reach a total combined balance of £1,000,000 without significantly sacrificing my current lifestyle. Unfortunately, achieving this goal would require more budget tightening than I'm comfortable with. As a result, I've decided to continue working until the State Pension Age (SPA) to build a more robust financial foundation.
Given the current state pension for 2024, which provides about £11,500 per year, integrating this into my financial plan could make a significant difference. If I retired at 60, a 4% yearly withdrawal rate from my savings would be necessary until the state pension begins. However, this approach would leave less room for unforeseen expenses or market fluctuations, adding a level of risk I'm trying to avoid.
By opting to work until 67, I enhance my financial stability, ensuring that my retirement savings can support not only my basic needs but also my aspirations for travel, personal interests, and a stress-free retirement. This strategy helps me balance a comfortable lifestyle now while safeguarding against outliving my savings, given the potential for a longer lifespan.
As someone who is very meticulous and analytical, I've delved deeply into these calculations to ensure thorough understanding and robust planning. Do you have any strategies or thoughts on balancing these trade-offs? I'm always looking for new perspectives on optimising retirement planning to align financial security with personal fulfilment.
submitted by NefariousnessNext840 to FatFIREUK [link] [comments]
I wanted to share some insights and calculations regarding my retirement savings and get your thoughts and feedback.
Background
I'm planning for retirement at 67, which is the state pension age in the UK. Here's an overview of my current savings:1. Pension Fund:
- Current Balance (2024): £55,381.10
- Monthly Contributions: Regular contributions, increasing by 2.5% each year to account for inflation
- Historical 5-Year CAGR: 17.59%
- Current Balance (2024): £38,466.72
- Average Monthly Contributions: Regular contributions, increasing by 2.5% each year to account for inflation
- Historical 9-Year CAGR: 10.99%
Projections
To get a realistic view of my potential retirement savings, I compared the historical fund CAGRs with a more conservative, realistic CAGR of 8.8%.Using Historical Fund CAGRs:
- Pension Fund (17.59% CAGR): Projected balance at 67: £5,482,198.93
- S&S ISA (10.99% CAGR): Projected balance at 67: £801,706.73
- Combined Total: £6,283,905.66
Using a Realistic CAGR (8.8% for both funds):
- Pension Fund: Projected balance at 67: £856,421.94
- S&S ISA: Projected balance at 67: £613,671.39
- Combined Total: £1,470,093.33
Year-by-Year Growth (8.8% CAGR) from 2024:
| Year | Pension Balance (£) | S&S ISA Balance (£) | Combined Balance (£) |
|---|---|---|---|
| 2024 | 55,381.10 | 38,466.72 | 93,847.82 |
| 2025 | 63,468.24 | 44,251.79 | 107,720.03 |
| 2026 | 72,347.38 | 50,605.95 | 122,953.33 |
| 2027 | 82,090.24 | 57,580.77 | 139,671.01 |
| 2028 | 92,774.88 | 65,232.42 | 157,007.31 |
| 2029 | 104,486.28 | 73,622.02 | 178,108.30 |
| 2030 | 117,316.96 | 82,816.14 | 200,133.10 |
| 2031 | 131,367.65 | 92,887.22 | 224,254.87 |
| 2032 | 146,747.96 | 103,914.15 | 250,662.11 |
| 2033 | 163,577.24 | 115,982.76 | 279,560.00 |
| 2034 | 181,985.39 | 129,186.51 | 311,171.90 |
| 2035 | 202,113.78 | 143,627.13 | 345,740.91 |
| 2036 | 224,116.31 | 159,415.32 | 383,531.63 |
| 2037 | 248,160.48 | 176,671.60 | 424,832.08 |
| 2038 | 274,428.59 | 195,527.13 | 469,955.72 |
| 2039 | 303,119.04 | 216,124.66 | 519,243.70 |
| 2040 | 334,447.76 | 238,619.54 | 573,067.30 |
| 2041 | 368,649.77 | 263,180.87 | 631,830.64 |
| 2042 | 405,980.83 | 289,992.67 | 695,973.50 |
| 2043 | 446,719.26 | 319,255.21 | 765,974.74 |
| 2044 | 491,167.98 | 351,186.43 | 842,354.41 |
| 2045 | 539,656.62 | 386,023.52 | 925,680.14 |
| 2046 | 592,543.90 | 424,024.58 | 1,016,568.48 |
| 2047 | 650,220.21 | 465,470.52 | 1,115,690.73 |
| 2048 | 713,110.34 | 510,666.99 | 1,223,777.33 |
| 2049 | 781,676.57 | 559,946.62 | 1,341,623.19 |
| 2050 | 856,421.94 | 613,671.39 | 1,470,093.33 |
While I've considered increasing my monthly contributions further, I believe I have found an optimal balance. This balance allows me to invest wisely for the future while still enjoying my present lifestyle without compromise. Additionally, I maintain a safety net by saving six months of my income in an easy-access cash ISA, currently earning a 5.10% AER (variable tracker).
I also explored the possibility of retiring at 60 and ran the numbers to see if I could reach a total combined balance of £1,000,000 without significantly sacrificing my current lifestyle. Unfortunately, achieving this goal would require more budget tightening than I'm comfortable with. As a result, I've decided to continue working until the State Pension Age (SPA) to build a more robust financial foundation.
Given the current state pension for 2024, which provides about £11,500 per year, integrating this into my financial plan could make a significant difference. If I retired at 60, a 4% yearly withdrawal rate from my savings would be necessary until the state pension begins. However, this approach would leave less room for unforeseen expenses or market fluctuations, adding a level of risk I'm trying to avoid.
By opting to work until 67, I enhance my financial stability, ensuring that my retirement savings can support not only my basic needs but also my aspirations for travel, personal interests, and a stress-free retirement. This strategy helps me balance a comfortable lifestyle now while safeguarding against outliving my savings, given the potential for a longer lifespan.
As someone who is very meticulous and analytical, I've delved deeply into these calculations to ensure thorough understanding and robust planning. Do you have any strategies or thoughts on balancing these trade-offs? I'm always looking for new perspectives on optimising retirement planning to align financial security with personal fulfilment.
2024.05.19 23:00 TheLotStore 0 N County Road 567, Gosnell AR 72315
 | 0 N County Road 567, Gosnell AR 72315 submitted by TheLotStore to u/TheLotStore [link] [comments] 60x59 parcel of land located off North County Road 567 in Gosnell. Priced way below comparable sales in the area! Debit/Credit Cards Accepted No Closing Costs Cash Price: $725 Finance with $150 Down and 6 Payments of $125 Per Month No Credit Check, No Income Documentation, No Prepayment PenaltyProperty Address: 0 N County Road 567, Gosnell AR 72315 (Map location is approximate) County: Mississippi Assessor Parcel Number: 306-00151-000 Legal Description: The 60 Feet of The South 240 Feet of Lot 11, Block 1, Of A Subdivision of Lots in The Northeast 1/4 of The Northeast 1/4 of Section 2, Township 15 North, Range 10 East, According to The Plat in Plat Book 1, Page 46, Recorders Office, Blytheville Arkansas. Zoning: Residential Annual Property Taxes: $23.85 View our amazing property deals at TheLotStore.Com. Additional Information: https://thelotstore.com/property/0-n-county-road-567-gosnell-ar-72315/?feed_id=10987 |
2024.05.19 22:57 MrMyagimoon The Power of Patience: Why Only the 0.1% Can HODL the Sausage for Years and How You Can Join Them
In the ever-volatile world of cryptocurrency, making substantial returns often seems like a privilege reserved for the lucky few. The truth, however, is that it's not just luck—it's about having the vision and the patience to hold on. HODLing, the practice of holding onto your cryptocurrency investments for an extended period, is the secret weapon that has turned many into millionaires. Yet, only the top 0.1% manage to do it. Why? And how can you become one of them?
The Challenge of HODLing
The cryptocurrency market is notorious for its volatility. Prices can skyrocket, making instant millionaires, or plummet, causing panic and despair. In this high-stakes environment, the temptation to sell at the first sign of profit or to cut losses is immense. This emotional roller coaster is why most people fail to hold onto their investments long enough to see substantial gains.
Vision and Conviction
The 0.1% who succeed in HODLing share a common trait: vision. They see beyond the daily price fluctuations and understand the long-term potential of their investments. They recognize that true wealth in cryptocurrency isn't made in days or weeks, but in years. These investors have conviction in their chosen projects and trust in their own research and instincts.
The ICE Opportunity
This is where ICE (Ice Open Network) comes into play. With a current market cap of $35 million and an FDV (Fully Diluted Valuation) of $100 million, ICE is positioned as a fundamentally strong project with immense growth potential. Unlike high-FDV projects that offer limited upside, ICE provides an accessible entry point for retail investors looking for significant returns.
The Frostbyte Advantage
Getting involved in Frostbyte, a platform for bandwidth sharing, can significantly increase your chances of becoming a successful HODLer. Frostbyte allows you to earn rewards in ICE or USDT by sharing your unused internet bandwidth. This passive income not only incentivizes you to hold onto your ICE tokens longer but also increases your overall returns over time.
Emotional Strength and Community Support
To HODL successfully, emotional strength is crucial. Being part of a supportive community like ICE Network - Unofficial group on Telegram can make a world of difference. Engaging with like-minded investors, sharing experiences, and getting support during market downturns can help maintain your resolve. The ICE Network - Unofficial community is built on the principles of mutual support and shared success, providing a safety net during turbulent times.
A Call to Action
If you’re tired of being on the losing end of quick trades and want to be part of the 0.1% who see real, life-changing returns, it’s time to change your strategy. Invest in projects with strong fundamentals like ICE, and leverage platforms like Frostbyte / ICE Network on Telegram to enhance your HODLing capabilities. By committing to a long-term vision and surrounding yourself with a supportive community, you can break free from the cycle of short-term thinking and achieve financial freedom.
Conclusion
The journey to becoming a successful HODLer isn’t easy, but it’s within your reach. It requires vision, conviction, emotional strength, and the right opportunities. ICE and Frostbyte offer a compelling combination of strong fundamentals, growth potential, and community support. By getting involved now, you’re not just investing in a token—you’re investing in your future.
submitted by MrMyagimoon to ICEnetwork [link] [comments]
The Challenge of HODLing
The cryptocurrency market is notorious for its volatility. Prices can skyrocket, making instant millionaires, or plummet, causing panic and despair. In this high-stakes environment, the temptation to sell at the first sign of profit or to cut losses is immense. This emotional roller coaster is why most people fail to hold onto their investments long enough to see substantial gains.
Vision and Conviction
The 0.1% who succeed in HODLing share a common trait: vision. They see beyond the daily price fluctuations and understand the long-term potential of their investments. They recognize that true wealth in cryptocurrency isn't made in days or weeks, but in years. These investors have conviction in their chosen projects and trust in their own research and instincts.
The ICE Opportunity
This is where ICE (Ice Open Network) comes into play. With a current market cap of $35 million and an FDV (Fully Diluted Valuation) of $100 million, ICE is positioned as a fundamentally strong project with immense growth potential. Unlike high-FDV projects that offer limited upside, ICE provides an accessible entry point for retail investors looking for significant returns.
The Frostbyte Advantage
Getting involved in Frostbyte, a platform for bandwidth sharing, can significantly increase your chances of becoming a successful HODLer. Frostbyte allows you to earn rewards in ICE or USDT by sharing your unused internet bandwidth. This passive income not only incentivizes you to hold onto your ICE tokens longer but also increases your overall returns over time.
Emotional Strength and Community Support
To HODL successfully, emotional strength is crucial. Being part of a supportive community like ICE Network - Unofficial group on Telegram can make a world of difference. Engaging with like-minded investors, sharing experiences, and getting support during market downturns can help maintain your resolve. The ICE Network - Unofficial community is built on the principles of mutual support and shared success, providing a safety net during turbulent times.
A Call to Action
If you’re tired of being on the losing end of quick trades and want to be part of the 0.1% who see real, life-changing returns, it’s time to change your strategy. Invest in projects with strong fundamentals like ICE, and leverage platforms like Frostbyte / ICE Network on Telegram to enhance your HODLing capabilities. By committing to a long-term vision and surrounding yourself with a supportive community, you can break free from the cycle of short-term thinking and achieve financial freedom.
Conclusion
The journey to becoming a successful HODLer isn’t easy, but it’s within your reach. It requires vision, conviction, emotional strength, and the right opportunities. ICE and Frostbyte offer a compelling combination of strong fundamentals, growth potential, and community support. By getting involved now, you’re not just investing in a token—you’re investing in your future.
2024.05.19 22:52 pacivys what's default earning offline %?
do you earn 100% of income while offline before upgrades apply? thanks
submitted by pacivys to BitcoinMinerApp [link] [comments]
2024.05.19 22:51 that_is_curious KARO Car fleet management company
Are there anybody interested in this company? They located in Singapore and participate in many markets, but it seems like mostly in South Africa. However they also present in US and some European countries. Unfortunately, I not found data about revenue per country. This company quite new and I not see 10 years of data, but just 4.
What I found interesting is their stable revenue and net income growth.
On Yahoo their PE is 23, however their last year EPS is about 22 and actually PE seems around 1 https://finance.yahoo.com/quote/KARO. This difference makes me feel like there is mistake in my calculation or on Yahoo. If would PE actually be 1, then valuation seems very low. Is it price for some sort of geopolitic risk?
Here earnings presentation: https://www.karooooo.com/pdf/2022/KARO%20FY24%20Q4%20Presentation%2020240516_FINAL.pdf
submitted by that_is_curious to ValueInvesting [link] [comments]
What I found interesting is their stable revenue and net income growth.
On Yahoo their PE is 23, however their last year EPS is about 22 and actually PE seems around 1 https://finance.yahoo.com/quote/KARO. This difference makes me feel like there is mistake in my calculation or on Yahoo. If would PE actually be 1, then valuation seems very low. Is it price for some sort of geopolitic risk?
Here earnings presentation: https://www.karooooo.com/pdf/2022/KARO%20FY24%20Q4%20Presentation%2020240516_FINAL.pdf
2024.05.19 22:49 Solous78 Finally Ready to Quit
Well, the day is finally here. I am done with gambling for good… or at least that is my full hearted intention. Last night I made just shy of about $6,600 and then in the course of a few hours today I lost a whopping $13k. Of course my brain immediately went to thinking about where that money could have gone. I could have completely paid off every ounce of debt I had or paid for an entire trip to Europe for two for a month. Instead I set it on fire chasing that big win.
I am sad to say this isn’t my first big loss day either. In total, I believe I’ve lost around $40k over of the course of the first half of 2024. I’ve done so much degen nonsense from borrowing from my 401k, maxing our credit cards, pushing past 0- you name it I’ve probably done it to keep gambling. It’s got to hit eventually right?
For some reason though this one feels different. I went through the stages of grief but all in a matter of an hour. It’s like a little lightbulb finally popped into my mind. I have been looking for the shortcut in life, and that is I simply not how life works. The good things in life are earned by doing things the right way.
So now I can look back at today and say, I went for it and I lost. It’s time to move on. Time for to focus on getting back into shape, learning a language, and taking my career to the next level.
I am very hopeful that I get my dream job this week, which has the six figure pay and purpose I have been dreaming of. Keep your fingers crossed for me.
Time to grind. Fuck Gambling.
submitted by Solous78 to problemgambling [link] [comments]
I am sad to say this isn’t my first big loss day either. In total, I believe I’ve lost around $40k over of the course of the first half of 2024. I’ve done so much degen nonsense from borrowing from my 401k, maxing our credit cards, pushing past 0- you name it I’ve probably done it to keep gambling. It’s got to hit eventually right?
For some reason though this one feels different. I went through the stages of grief but all in a matter of an hour. It’s like a little lightbulb finally popped into my mind. I have been looking for the shortcut in life, and that is I simply not how life works. The good things in life are earned by doing things the right way.
So now I can look back at today and say, I went for it and I lost. It’s time to move on. Time for to focus on getting back into shape, learning a language, and taking my career to the next level.
I am very hopeful that I get my dream job this week, which has the six figure pay and purpose I have been dreaming of. Keep your fingers crossed for me.
Time to grind. Fuck Gambling.
2024.05.19 22:47 Starter_Tradebabe IRS TRANSCRIPTS
 | Has anyone else noticed a change in access to transcripts? submitted by Starter_Tradebabe to IRS [link] [comments] |
2024.05.19 22:46 misdeliveredham Social security plus IHSS income - necessary to file?
I am a little worried about a friend who works as a live in. She also gets social security (not SSI, her earned benefit if it matters).
She says her tax guy told her she doesn’t need to file taxes. I know live ins don’t pay income tax but I think she must file because she has social security and her combined income is definitely over $25k.
I think she is getting herself in trouble but I want to find out more before making her worried.
submitted by misdeliveredham to IHSS [link] [comments]
She says her tax guy told her she doesn’t need to file taxes. I know live ins don’t pay income tax but I think she must file because she has social security and her combined income is definitely over $25k.
I think she is getting herself in trouble but I want to find out more before making her worried.
2024.05.19 22:46 CashMeOutside_Now Negative vs Positive gearing - help explain to me
I’m completely financially illiterate and need someone to please explain to me in very simple, child-like terms.
I’m in my early 40’s, male, a HENRY - High Earner, but Not Rich Yet. Sole trader earning ~$600,000/yr gross. My wife is a full time mum to our 2 children (5 and 1yo), and works part time. She earns ~$30,000/yr. Our combined HHI is ~$630,000/yr.
We have a $1,350,000 loan remaining on our PPOR, with around $420,000 in equity. There is $500,00 in our offset account. Repayments on this loan is around $2,000/wk.
We have an investment property jointly in both our names, which is currently cashflow positive $150/wk. There is $350,000 remaining on the loan with around $850,000 in equity. We are imminently refinancing this IP loan to another lender, and increasing the weekly rental, which will improve our positive cashflow to ~$300/wk.
Being in the top tax bracket, and having quarterly BAS and income tax payments to the ATO sees half my income disappear to tax. So in this context, cashflow is important to us. A rough back of the napkin calculation sees my weekly income diminish to around $700-900/wk net. The way I see it is that I’d rather have a cashflow positive property for which I need to pay income tax on, than a cashflow negative property which will diminish my cashflow to even less than $700/wk, despite it being a tax deductible debt.
Am I missing something here? Why is it so desirable to have a negatively geared IP when it greatly impacts cashflow?
submitted by CashMeOutside_Now to AusFinance [link] [comments]
I’m in my early 40’s, male, a HENRY - High Earner, but Not Rich Yet. Sole trader earning ~$600,000/yr gross. My wife is a full time mum to our 2 children (5 and 1yo), and works part time. She earns ~$30,000/yr. Our combined HHI is ~$630,000/yr.
We have a $1,350,000 loan remaining on our PPOR, with around $420,000 in equity. There is $500,00 in our offset account. Repayments on this loan is around $2,000/wk.
We have an investment property jointly in both our names, which is currently cashflow positive $150/wk. There is $350,000 remaining on the loan with around $850,000 in equity. We are imminently refinancing this IP loan to another lender, and increasing the weekly rental, which will improve our positive cashflow to ~$300/wk.
Being in the top tax bracket, and having quarterly BAS and income tax payments to the ATO sees half my income disappear to tax. So in this context, cashflow is important to us. A rough back of the napkin calculation sees my weekly income diminish to around $700-900/wk net. The way I see it is that I’d rather have a cashflow positive property for which I need to pay income tax on, than a cashflow negative property which will diminish my cashflow to even less than $700/wk, despite it being a tax deductible debt.
Am I missing something here? Why is it so desirable to have a negatively geared IP when it greatly impacts cashflow?
2024.05.19 22:41 Azurecertificates statistics class helper for statistics class help Reddit statistics course helper for statistics course help reddit statistics Exam help to hire statistics Exam helper Reddit Stat Math Calculus Algebra Probability Exam Helper to take online Homework Assignment Reddit Online Test Taker Reddit
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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:
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submitted by Azurecertificates to Statisticshelpers_ [link] [comments]
ACADEMIC 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
- 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
- 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
- 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.
- 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 New Jersey 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 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.
- 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.
- 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.
- 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.
- 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.
- Live Exam Help Videos: I am the only verified U.S.-based online exam hw online class help tutor with a highly successful YouTube Channel where I regularly upload live unedited videos of me actually completing exams, quizzes & homework assignments for other students and clearly explain my entire thought process and display on-screen all the steps, apps, websites, and software I use to compute the correct answers.
- 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).
- 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.
- 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.
- 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
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.
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.
- 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.
TAGS:
Accounting Exam Help Reddit, Best Online Test Takers Reddit, Best Ways to Cheat on a Test Reddit, Best Website to Pay for Homework Reddit, Bypass Respondus Lockdown Browser Reddit, Calculus Test Taker Reddit, Canvas Cheating Reddit, Cheating in Online Exam Reddit, Cheating on Pearson Mymathlab Reddit, Cheating on Proctortrack Reddit, Cheating on Zoom Proctored Exams Reddit, Cheating on a Test Reddit, College Algebra Mymathlab Reddit, Do Homework for Money Reddit, Do My Assignment Reddit, Do My Exam for Me Reddit, Do My Homework for Me Reddit, Do My Math Homework Reddit, Do My Math Homework for Me Reddit, Do My Test for Me Reddit, Doing Homework Reddit, Domyhomework Reddit, Exam Cheating Reddit, Exam Help Online Reddit, Examity Reddit, Finance Homework Help Reddit, Fiverr Exam Cheating Reddit, Gradeseekers Reddit, Hire Someone to Take My Online Exam Reddit, Hire Test Taker Reddit, Homework Help Reddit, Homework Sites Reddit, Homeworkdoer .org Reddit, Homeworkhelp Reddit, Honorlock Reddit, How Much Should I Pay Someone to Take My Exam Reddit, How to Beat Honorlock Reddit, How to Beat Lockdown Browser Reddit, How to Cheat Examity Reddit 2022, How to Cheat Honorlock Reddit, How to Cheat and Not Get Caught Reddit, How to Cheat in School Reddit, How to Cheat on Canvas Tests Reddit, How to Cheat on Examity Reddit, How to Cheat on Honorlock Reddit, How to Cheat on Math Test Reddit, How to Cheat on Mymathlab Reddit, How to Cheat on Online Exams Reddit, How to Cheat on Online Proctored Exams Reddit, How to Cheat on Zoom Exam Reddit, How to Cheat on Zoom Exams Reddit, How to Cheat on a Proctored Exam Reddit, How to Cheat with Proctorio 2020 Reddit, How to Cheat with Proctorio Reddit, How to Cheat with Respondus Monitor Reddit, How to Get Past Lockdown Browser Reddit, Hwforcash Discord, I Paid Someone to Write My Essay Reddit, Is Hwforcash Legit, Lockdown Browser Hack Reddit, Lockdown Browser How to Cheat Reddit, Math Homework Reddit, Monitoredu Reddit, Mymathlab Answer Key Reddit, Mymathlab Answers Reddit, Mymathlab Cheat Reddit, Mymathlab Proctored Test Reddit, Online Exam Help Reddit, Online Exam Proctor Reddit, Online Proctored Exam Reddit, Organic Chemistry Exam Help Reddit, Organic Chemistry Test Taker Reddit, Paper Writers Reddit, Pay Me to Do Your Homework Reddit, Pay Me to Do Your Homework Reviews Reddit, Pay Someone to Do Homework Reddit, Pay Someone to Do My Assignment Reddit, Pay Someone to Do My College Homework Reddit, Pay Someone to Do My Homework Reddit, Pay Someone to Do My Math Homework Reddit, Pay Someone to Do My Online Class Reddit, Pay Someone to Do My Online Math Class Reddit, Pay Someone to Do My Programming Homework Reddit, Pay Someone to Do Statistics Homework Reddit, Pay Someone to Take Exam Reddit, Pay Someone to Take Exam for Me Reddit, Pay Someone to Take My Calculus Exam Reddit, Pay Someone to Take My Chemistry Exam Reddit, Pay Someone to Take My Exam Reddit, Pay Someone to Take My Online Class Reddit, Pay Someone to Take My Online Exam Reddit, Pay Someone to Take My Proctored Exam Reddit, Pay Someone to Take My Test in Person Reddit, Pay Someone to Take Online Class for Me Reddit, Pay Someone to Take Online Test Reddit, Pay Someone to Take Your Online Class Reddit, Pay Someone to Write My Paper Reddit, Pay for Homework Reddit, Pay to Do Homework Reddit, Paying Someone to Do Your Homework Reddit, Paying Someone to Take My Online Class Reddit, Paying Someone to Take Online Class Reddit, Paysomeonetodo Reddit, Physics Test Taker Reddit, Proctored Exam Reddit, Reddit Do My Homework for Me, Reddit Domyhomework, Reddit Homework Cheat, Reddit Homework Help, Reddit Homework for Money, Reddit Honorlock Cheating, Reddit Mymathlab Hack, Reddit Mymathlab Homework Answers, Reddit Paid Homework, Reddit Pay Someone to Do Your Homework, Reddit Pay Someone to Take Online Test, Reddit Pay for Homework, Reddit Pay to Do Homework, Reddit Test Takers for Hire, Reddit Tutors, Should I Pay Someone to Take My Exam Reddit, Statistics Test Taker Reddit, Take My Calculus Exam Reddit, Take My Class Pro Reddit, Take My Class Pro Reviews Reddit, Take My Exam for Me Reddit, Take My Math Test for Me Reddit, Take My Online Class Reddit, Take My Online Class for Me Reddit, Take My Online Exam for Me Reddit, Take My Online Exams Reddit, Take My Online Exams Review Reddit, Take My Online Exams Reviews Reddit, Take My Online Test Reddit, Take My Online Test for Me Reddit, Take My Physics Exam for Me Reddit, Take My Proctored Exam for Me Reddit, Take My Statistics Exam for Me Reddit, Take My Test for Me Reddit, Takemyonlineexams Reddit, Test Taker Reddit, We Take Classes Reddit, Write My Exam for Me Reddit
2024.05.19 22:40 QuickQuestionsToday Interest rate optimization
If I have a 2.25 apr for 48 months on an auto loan, where can I keep my expendable income to make payments while earning a higher interest rate? Money market, index fund, high interest savings, CD?
submitted by QuickQuestionsToday to personalfinance [link] [comments]
2024.05.19 22:38 Sandy_Sandy_1233 Capital One Venture X Referral + Review {Highest referral Bonus}
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submitted by Sandy_Sandy_1233 to Referrals [link] [comments]
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
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2024.05.19 22:38 Sandy_Sandy_1233 Capital One Venture X Referral + Review {Highest referral Bonus}
Referral Link: https://capital.one/3Xg1pVo
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
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Miles accumulation:
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
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No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
submitted by Sandy_Sandy_1233 to Referrals [link] [comments]
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
- 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights booked through Capital One Travel.
- 2X miles on all other purchases with no limit.
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
- Free TSA PreCheck/Global Entry application (worth $100).
- Unlimited access to Priority Pass, Plaza Premium, and Capital One lounges for you and two guests.
- Free cell phone insurance.
- Free rental car collision damage waiver.
- Free Hertz President Circle status (which can match to Avis President Circle status too).
- Buyer protection and price match for flights.
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
2024.05.19 22:38 Sandy_Sandy_1233 Capital One Venture X Referral + Review {Highest referral Bonus}
Referral Link: https://capital.one/3Xg1pVo
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
submitted by Sandy_Sandy_1233 to ReferralCodesNow [link] [comments]
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
- 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights booked through Capital One Travel.
- 2X miles on all other purchases with no limit.
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
- Free TSA PreCheck/Global Entry application (worth $100).
- Unlimited access to Priority Pass, Plaza Premium, and Capital One lounges for you and two guests.
- Free cell phone insurance.
- Free rental car collision damage waiver.
- Free Hertz President Circle status (which can match to Avis President Circle status too).
- Buyer protection and price match for flights.
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
2024.05.19 22:38 Sandy_Sandy_1233 Capital One Venture X Referral + Review {Highest referral Bonus}
Referral Link: https://capital.one/3Xg1pVo
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
submitted by Sandy_Sandy_1233 to referralswaps [link] [comments]
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
- 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights booked through Capital One Travel.
- 2X miles on all other purchases with no limit.
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
- Free TSA PreCheck/Global Entry application (worth $100).
- Unlimited access to Priority Pass, Plaza Premium, and Capital One lounges for you and two guests.
- Free cell phone insurance.
- Free rental car collision damage waiver.
- Free Hertz President Circle status (which can match to Avis President Circle status too).
- Buyer protection and price match for flights.
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
2024.05.19 22:38 Sandy_Sandy_1233 Capital One Venture X Referral + Review {Highest referral Bonus}
Referral Link: https://capital.one/3Xg1pVo
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
submitted by Sandy_Sandy_1233 to referralswaps [link] [comments]
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
- 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights booked through Capital One Travel.
- 2X miles on all other purchases with no limit.
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
- Free TSA PreCheck/Global Entry application (worth $100).
- Unlimited access to Priority Pass, Plaza Premium, and Capital One lounges for you and two guests.
- Free cell phone insurance.
- Free rental car collision damage waiver.
- Free Hertz President Circle status (which can match to Avis President Circle status too).
- Buyer protection and price match for flights.
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
2024.05.19 22:38 Sandy_Sandy_1233 Capital One Venture X Referral + Review {Highest referral Bonus}
Referral Link: https://capital.one/3Xg1pVo
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
submitted by Sandy_Sandy_1233 to ReferralNews [link] [comments]
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
- 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights booked through Capital One Travel.
- 2X miles on all other purchases with no limit.
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
- Free TSA PreCheck/Global Entry application (worth $100).
- Unlimited access to Priority Pass, Plaza Premium, and Capital One lounges for you and two guests.
- Free cell phone insurance.
- Free rental car collision damage waiver.
- Free Hertz President Circle status (which can match to Avis President Circle status too).
- Buyer protection and price match for flights.
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
2024.05.19 22:38 Sandy_Sandy_1233 Capital One Venture X Referral + Review {Highest referral Bonus}
Referral Link: https://capital.one/3Xg1pVo
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo
submitted by Sandy_Sandy_1233 to ReferralNews [link] [comments]
Join the Capital One Venture X credit card family and discover amazing travel benefits! I’ve been using this card and it’s been great for my travel goals. If you’re looking for a new travel credit card, here’s an exclusive referral so we can both enjoy the rewards!
Check out these fantastic features of the Capital One Venture X credit card:
Welcome bonus: Earn 75,000 miles by spending $4,000 in the first three months. This is a great way to start your travel adventures!
Miles accumulation:
- 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights booked through Capital One Travel.
- 2X miles on all other purchases with no limit.
Annual travel credit: Get $300 every year for travel bookings made through Capital One Travel. This helps reduce the cost of your trips.
TSA PreCheck or Global Entry credit: Receive up to $100 to cover the application fees for TSA PreCheck or Global Entry, making airport security easier.
Airport lounge access: Enjoy free access to Capital One Lounges and Priority Pass lounges worldwide, adding comfort to your travel experience.
No foreign transaction fees: Use your card abroad without worrying about extra fees.
Annual fee: The card has a $395 annual fee, but the benefits (like the $300 travel credit and welcome bonus) outweigh this cost.
Additional benefits include:
- Free TSA PreCheck/Global Entry application (worth $100).
- Unlimited access to Priority Pass, Plaza Premium, and Capital One lounges for you and two guests.
- Free cell phone insurance.
- Free rental car collision damage waiver.
- Free Hertz President Circle status (which can match to Avis President Circle status too).
- Buyer protection and price match for flights.
Safe travels and happy adventures! 🌍✈️💳
Referral Link: https://capital.one/3Xg1pVo