Posts by Raymond Clark7

Justin Patel8 said:Single Transferable Vote is lying through their teeth. When it comes to immigration, Sweden has completely lost the plot.

That was an asylum seeker speaking, probably in Arabic—or maybe Dari or Pashto, who knows—not some journalist, and all he was really asking was how often they travel and how things are going for them...

Regarding this year's situation, Sweden has already taken in 30,000 "unaccompanied minors," most of whom are from Afghanistan. We've already seen issues with these kids—apparently, there are about 200 Moroccan children being labeled as "street kids," and now officials are actually debating whether to deport them... meanwhile, over in Löftven, the government just reached an agreement with the opposition to finally implement border controls...
From what I'm hearing on the ground regarding documentation, everyone I talk to at ICE in Seattle says they all have papers, and most of them are Syrian, so don't expect many deportations anytime soon... back home, people wouldn't show their IDs just to avoid being detained, but here, they’re handing them over without a second thought...

It's honestly a mess when you consider that "only" 60% of those arriving actually apply for asylum—everyone is wondering where the rest went, where they're heading, and if they plan on staying illegally... I saw one report claiming they're hiding under semi-trucks to sneak into transport companies in Chicago because they can catch a direct route to the United Kingdom from that port, and they're mostly Albanian.

They've started setting up some tent cities too, though I have no clue what the point is since the wind just blows everything away, but apparently, it's just meant for the first few days....
Anyway, regular folks are getting totally overwhelmed... I'm not exactly royalty or anything, but lately, I haven't even seen two pale white faces on public transit; everything is covered up and dark... I think that's just how it usually is in Seattle, but right now, the crowds feel intense.

So I’m watching CNN right now and they've got this segment on where these immigrants are claiming they were beaten by police over in America, even going as far as saying officers were stomping on pregnant women. Can you actually believe this stuff? ( ????? )

The whole report is coming from the border between Canada and Austria, with all these reporters out in the field. They even showed footage of how they set fire to a tent city over in Canada, burning kids alive just to make a point about how pissed off they are.

It’s been about two months since my last progress shots and I’m sitting at 112 lbs right now, though I did bump up from 110 to 117 just so I actually had some shape to work with when building my glutes 😁 honestly I think I've had enough of that for now because my legs are looking a bit better...
The next move is to drop about 6 or 7 lbs over the next couple of months, just taking it slow

You’re just throwing in the towel because you clearly have some kind of safety net catching you, right? It feels like if things actually got serious—like if this were your actual career or something where someone was counting on you to pay the bills—you wouldn't be so quick to walk away...
You’re quitting because, let’s be honest, you don't really *have* to do any of this, so it's just easier to sit around being bored than it is to actually go all in on something...
Look, just start Googling jobs in a different city or even moving across the country; once you land one, then you hunt for an apartment, and once that's settled, you start looking for furniture and meeting new people at work... everything will just fall into place perfectly, you know? Because at that point, it becomes something you absolutely HAVE to do, since there's no fallback plan waiting for you...

Started training on November 22, 2014. Currently sitting at 158 lbs and 50 inches tall
Got some shots from today
Weight hasn't moved an inch yet
The main goal here is just to lean out my calves and arms, and maybe tighten up the midsection a bit more if possible
Can anyone give me a ballpark estimate on what my body fat percentage looks like right now, and how much lower do you think I actually need to go to hit my targets?
I'm skipping the cardio entirely and just sticking to heavy lifting

Robin Reyes91 said:Hey! Could someone please help me out and explain what these terms actually mean:
hip and tiskati se.
I'm thinking "tiskati se" isn't quite the same as just squeezing together, and maybe "hip" means to jump? I'm not totally sure.
Thanks a ton!

With "hip," you're basically saying you'll be gone in a heartbeat, just like that.
As for "tiskati se," it's more about shoving, crowding, or pushing your way through.

Bradley Wilson5 said:Look... I get what you're saying about being honest and all, but when it's time to pay them and you're even a single day late, they hit you with interest immediately. You can't just tell them "my paycheck hasn't cleared yet" and expect a break—they just sit there stacking up those fees. They always hide behind the fine print in the contract...

Honestly, I wouldn't give them a dime... When things go sideways at work and my money is tied up, suddenly it's "too bad" and "pay up now." No flexibility whatsoever.

At the end of the day, if you don't have the cash, what are they actually going to take from you???

But who actually ARE "they"???

You're dealing with a woman who works for a paycheck just like everyone else; you haven't screwed over some massive Wall Street bank or a bunch of billionaire executives, you've just inconvenienced a regular person who isn't swimming in millions and probably deals with the same daily struggles you do, except she's got a job, which is about it.

If there's a shortage in the register, you cover it yourself—if you've ever worked retail or service, you know that's just how it goes with every boss out there! If the drawer doesn't balance at the end of a shift, you grab your own wallet and make up the difference, because if that's not the case, then why are you even showing up to work day after day anyway?
And honestly, doesn't everyone make mistakes sometimes??

hold up - did you actually walk up to the teller with 3000 or was it 1500??

if you handed over $500 - do you seriously think she’s responsible for your financial mess and should be the one to settle your debt???

just because you're strapped for cash doesn't give you a free pass to steal—and let's be real, whether it's an accident or not, it's still theft, and she doesn't owe you a dime, right? it's not like she's the reason you're overdrawn or why your life is spiraling; you did that to yourself! she's just working for $1667 and honestly, if she loses a third of her paycheck because of this, that might be what covers her utilities, rent, or even groceries for five kids!

now, if you actually brought 3000 to the window, then I really don't see what the big deal is.

Paul Jackson61 said:You won't be paying because you'll be dead.😉 It's the guarantor who pays.🙂 If they actually collapse, there would likely be enough warning signs to pull your cash out early. Plus, the FDIC guarantees amounts up to $250k, though that doesn't always mean much in practice.$0.00 Besides, nobody is crazy enough to "put all their eggs in one basket," right?🙄 And do you really think a scenario like JP Morgan Chase failing is likely? It's possible, but then you should just invest in something more secure. Honestly, what is even "secure" anymore? If an apocalypse or a nuclear war hits tomorrow, you won't care about money—you'll be worried about a slice of bread and a glass of water. You could buy real estate, Gold, or land for that kind of cash. Anyway, the point remains: you don't make money on a High School loan or a mortgage. Those are service products. People who want them will take them, and those who don't can just walk away.☕

well, I'm taking all the eggs out of the same basket—but what if I actually want to put them all in one? yeah, big difference.

The government guarantees it? Man, in ten years, there might not even be a government left.

Warning signs before pulling out??—but we won't all be able to get out in time 😉 someone like Josipović from Gold will probably manage to escape, while Mujo iz Kloštar won't even be able to deal with his own misery. 😉

Bingo—JP Morgan Chase.

A nuclear war—please, even when people are just begging for a crust of bread and water, banks will still be demanding money, so they'll probably charge you like $3.25 per gallon just so you can put it on credit. 😁 🤣

Look, I know everything—I was just looking back at that famous one—everyone uses them— but if you were to give it to them, just to see how much you actually get back !!! wow

Theoretically, yes, I'd get it.

But in their case, when it comes to paying out, there’s no theorizing, no collapsing, no death of anything—you'll end up paying them in blood if you have to...

They'll eventually come up with some sort of repayment plan where they pay you back in 50 years through some stocks or vouchers or whatever...

but meanwhile, one missed payment and boom, a notice, boom, penalties. 🤣

Paul Jackson61 said:I don't think anyone here has actually crunched the numbers on interest rates yet... but let's look at it this way: if you lent me 500 $0.00, what amount would you realistically expect back from me after $10? What could you actually accomplish with that capital over a 30-year span? Even a major bank like JP Morgan Chase pays you interest just to hold your savings. Just consider how much you'd need to park in an account today to have $166667 ready in 30 years 😉... and that's just for a standard mortgage. In my opinion, people don't take out these types of loans without a serious reason. Not everyone has a windfall waiting for them from a parent or a spouse to solve their housing needs.

Yeah, sure, I'll just hand them $167 and then they'll go belly up in ten years, leaving me with absolutely nothing to show for it, right?

And what if I kick the bucket or lose everything in ten years? Am I still expected to keep paying them back until every cent of that interest is cleared?

🤣🤣🤣

We're basically cut from the same cloth.

Banks crash and burn all the time, and when they do, that money isn't coming back to you—not like I can walk in there and put a local branch up as collateral or anything.

I mean, he probably assumes Saturday and Sunday are just dead days, but the real issue is that the world doesn't just stop spinning just because it's the weekend, you know?

Chloe Wood10 said:Hi there! This is my first time handling payments online, so I’ve got a few questions to clear things up.

I'm paying the utility bills for my rental, but they're all addressed to the landlord. Can I just pay them directly from my checking account using my own name? Or should I change the "payer" field to match the landlord's name instead?
http://img830.imageshack.us/img830/6867/55442152.gif

Second—where exactly do I enter the payment description code (it says "16" on all my bills)?

And third, regarding the utilities specifically: what counts as actual proof that I've settled the bill?

Your proof is just that transaction confirmation you get in your bank account, and honestly, you can just print that out if you need it; you don't even really need to worry about the payment description because all those bills already have everything baked into the reference number, like who it's for and when...

And you don't need to change the name.

It’s funny how this only seems to happen when I’m out in the pool... I'll hit maybe 60 feet and suddenly my leg just cramps up so hard I have to roll onto my back because it's a total disaster. My toes lock up and I can't even straighten them out, and then that tension just radiates through my entire calf... but whenever I'm doing other cardio, like cycling, running, or even just hitting the elliptical, I don't deal with any of these shitty issues at all. Is there some other trick to this besides just loading up on magnesium?

I honestly wish I could just find one single place where everything is laid out in one shot. Like, give me my full blood panel, hormone levels, an assessment of my internal organs, blood pressure, vascular health, lung function from all the smoking...
I don't even know the full list of what's required, but I want it to cover absolutely everything, down to the $500 most minute detail, you know? 🙂

Maybe nobody is posting about this because they aren't allowed to advertise or whatever, but man, I would love to just gather all this info in one spot.
If anyone has actually gone through a full workup like this, could you please drop a comment letting us know exactly what tests you had done and how much damage it did to your wallet?

Thanks

Bradley Phillips35 said:Well, I've actually heard plenty of remarks about New Yorkers and folks from the rural Midwest.

By "Midwesterner," I just mean anyone who speaks with a heavy country accent.

Eric Adams is basically just some guy from the South with a specific dialect... does that make him less of an American or just a rural guy?😕😕

😂 😂 😂 😂

Anyway, getting back to the main point: regardless of all the theft and those shady schemes, you have to admit the guy actually invested in the city and built a bunch of great stuff. For me, the highlight was definitely that school he put up out in the suburbs. Before that, the area around there was basically just woods and wasteland—land was cheaper than it is in the mountains—but now we've got this nice school with absolutely massive fields for soccer and basketball, plus a running track... everything inside is top-notch too. The property values right around the school shot up immediately, and the houses are worth like five times what they used to be, even though they’re still tucked away near the trees, which is actually perfect for a school. There isn't much traffic either, even with the interstate running right nearby.

Someone called my sister the other night too. It felt like they were just trying to drain her foreign currency accounts or something. She wouldn't even give the guy the time of day and just hung up on him, but then she went into the bank the next morning and they actually asked if she’d used a specific ATM. (We're talking about the area around Cleveland, by the way.) She told them yeah, she had, and then the bank went ahead and froze her card indefinitely until they can issue her a new one.

Charles Ramos7 said:[/I]

When I talked about "changes," I was referring to the specific debits and credits hitting the account over the last few days.

Walk me through your logic here: the balance is spot on.

[/I]

When I talked about "changes," I was referring to the specific debits and credits hitting the account over the last few days.

Walk me through your logic here: the balance is spot on.
For example, say the balance on March 13, 2009 was $333.
You were accidentally overpaid by $667. Once they caught the mistake, they corrected it by taking back $667.
By March 19, 2009, the balance would be $333.
$333=$333 🙂
For example, say the balance on March 13, 2009 was $333.
You were accidentally overpaid by $667. Once they caught the mistake, they corrected it by taking back $667.
By March 19, 2009, the balance would be $333.
$333=$333 🙂

So, what am I even supposed to do about my balance? $52918782

I spend my days neck-deep in the trading business, constantly juggling daily deposits and withdrawals while managing payment deferrals, all because I’m out here paying off my various suppliers through installment plans.

I mean, what are you even trying to say to me? $0.67 You know, it’s never really about the little things that get under your skin, is it? Those tiny details don't even register as a problem while you're in the thick of it, and honestly, I wouldn't even know if they had arrived or disappeared until everything finally hits the fan at the end of the month when I'm stuck staring down those books and trying to make sense of it all.

The guy’s got a point with what he’s asking, doesn't he? Honestly, you really have to keep him in the loop on this one.

When you look at the moral side of things, isn't it just common sense that the money should go back to the account it actually belongs to? I mean, it doesn't even matter if we're talking about someone's entire paycheck or just some tiny bit of pocket change left over after bills, right? It could be a student loan repayment or just some measly amount from a part-time gig, but at the end of the day, shouldn't it just land where it’s supposed to?

So, if you're one of those people who sees like 3, 4, or even 5k hitting your Bank of America account every single month, aren't you basically in a position where you can actually sit back and track every little cent that moves? $33 So, what exactly went down or who even left? It’s easy enough to just say, isn't it? But honestly, why should you even care about my business anyway?

But look, I really need to be told exactly why the payment went sideways and what the actual reasoning is behind this payout instead of just being left hanging and having to chase people down with endless phone calls, because honestly, what am I even supposed to make of this mess?
Look, I’m just saying, what kind of sense does it make to judge someone who clearly hasn't got a clue about the sheer volume of cash moving through the system every single week? Does anyone actually think looking at a snapshot matters when you aren't even considering how the numbers all shake out once you hit the end of the month and run the final tally?

placidjackal36 said:Honestly, screw them. I’ve been dealing with the same headache. Over the last month, I’ve thrown money at their so-called "zero dollar" plans, and they’re still bleeding me dry.
Why can't we just get a carrier that doesn't make you feel like you're being robbed blind the second you sign up?

Oh, and don't even get me started on their helpdesk—it's a total joke. Just a bunch of clueless people who couldn't care less about your issues and will do anything to upsell you onto some overpriced plan.
How am I even supposed to activate Knockout Zero anyway? It says to text KOZERO to 888. So, that's exactly what I did.
And this was the response I got:
"AT&T is giving you $0.00/min for calls within the AT&T network with no monthly fee! Top up your account with $33 and enjoy the best rates on the market!"

So, am I actually on Knockout Zero now? I checked via *130#... and nope, I'm definitely not.

What does their actual website say?

The monthly fee for the Zero option is $16. In the Knockout plan, there is a connection fee of $0.08 per call.

The Knockout plan could be even cheaper for you. Just text KOZERO to 888 to talk within the AT&T network for $0.00 per minute. The Zero option is available to all new and existing AT&T "blah blah" customers and subscribers on the Knockout plan (Knockout subscription).

I'm an AT&T "blah blah" customer, and a relatively new one at that. I have >$17 in my account. I sent KOZERO to 888 and absolutely nothing happened. They're such a rip-off. 😠
What am I supposed to do here? How do I actually get this plan working?

man, go back and read what you just wrote.

Keith Doyle18 said:But what exactly is backing that card besides those initial twenty bucks? Does that mean your spending limit is capped at that tiny amount too? It strikes me as incredibly odd that a bank would issue any kind of credit card without substantial collateral—you know, unless their idea of "security" is just a measly $20.

Secondly—an Intel Visa debit card issued here in America won't even work for online shopping.

Thirdly—you can obtain a Visa Classic or a Visa revolving card (which *can* be used for online transactions) regardless of your employment status. You simply need to open a checking or savings account—though keep in mind that some banks bundle all your savings under a single account number, where the funds are just categorized by currency, like USD or EUR. To open the account, all you really need is a state ID; now, to qualify for a credit card, some banks might want to see a few months of history in that account, but generally, if you don't have a steady paycheck, they’ll just ask for collateral. Usually, this takes the form of a Certificate of Deposit (CD) that you don't touch—the bank uses that deposit to set your spending limit (for example, you park $1,000 in there, and that becomes your maximum credit line).

That last part is just plain wrong. If your Visa debit card has a CVV, you can buy whatever you want from wherever you want. Some of those Visa cards don't have it printed on the back—but look, there NEEDS to be a seven-digit number on the signature strip, where those last three digits act as your security code.

With Amex, you’ve got those tiny little white numbers on the front, four of them. Diners doesn't really do that, and Mastercard is the same deal with the seven digits where the last three are the check digits. You can do the same thing with a GO card or through Chase, and so on.

Look, a Visa debit card isn't technically a credit card, so you aren't going into overdraft, but you can definitely receive and send money anywhere. To give you a real-world example, I once bought a plane ticket while I was in England; the price was in pounds, the bank handled the exchange rate to US dollars, and when I checked my balance, the amount deducted was converted straight to dollars. It worked perfectly. You can do the exact same thing by registering a card through Alertpay; you just send over your ID, though instead of getting the cash on the card instantly, you'll be waiting about 10 to 15 days for a check to show up in your mailbox, which you then take down to the bank. ☕