Hard money loan fort lauderdale


2022.09.26 08:12 KarenPowery theHardmoneyloans

All about hard money loan.

2015.04.06 04:59 bridalshoes Hard Money Lenders Info Exchange

Welcome to hardmoneylenders - a place to discuss multiple facets of hard money & private money lending. This is a hub for sharing educational information as well as making connections within the industry.

2022.06.13 21:05 PayYourDebt

A community for those who are against student loan forgiveness, giving financial advice to avoid reliance on government handouts for student loans and encourage hard work.

2023.06.06 03:44 KuroiMizu64 (23M) A question to ask when it comes to relationships and dating because I would like to see your opinions

When entering a relationship or when entering the dating scene, is it necessary to enter those once you are fully financially stable or when you have no money yet, but you're in the process of working hard to earn one?
Marami kasing nagsasabi na wag kang makipagdate at makipagrelasyon once na wala kang pera. And I also have this thinking that if I want to enter into one, I have to make sure I have money because when I was younger, it was ingrained in my head that no money = no honey.
But I would like to ask your personal opinion about my question.
submitted by KuroiMizu64 to relationship_advicePH [link] [comments]

2023.06.06 03:43 ShadowDragon88 I've Been Reincarnated as a Bunny Girl?! Ch. 5

Hey there, readers! Here's chapter five for your reading pleasure! Please consider leaving a comment or review as those really do just pick me right up!
I've Been Reincarnated as a Bunny Girl?! (Chapter 5)
A fine drizzle was coming down on the town of Starlight Rose. A familiar wolf-kin beasta in red robes that appeared to be shimmering despite the cloudy gloom of the day was walking along the main road. In his right hand, he held a long polished oak staff, topped with a red glowing gemstone the size of his fist. In his left hand, held away from his body, was a tan leather satchel, the drawstring tied in a knot. It appeared full, and seemed to shudder and wriggle. Felixin smiled and nodded to passing villagers. 

"Hey there, Felixin," came the rumbling voice of Earl Shatterknuckle. The blonde dwarf, presently wearing just simple brown leather trousers, fell in step beside his taller friend. Felixin looked down at the dwarf, whose smaller frame was bulging with muscles, with blue and gold glowing tattoos tracing intricate spider-web-like symbols across his chest and arms, smiling back. 

"Good day to you, Earl," the wolf said. There was a spitting-chittering sound coming from the bag, making Felixin pause and frown before giving the satchel a good whack with his magical staff. "Quiet, you!" he hissed at it. 

"Caught yourself another evil spirit, eh?" Earl said with a smirk. 

"Oh yes, and this one was quite the nasty piece of work. I'm on my way back to my lab to properly dispose of it. I think it's from some destroyed remnant of Eld technology, one of the ones that gained sentience, or at least some spiritual semblance to it," Felixin said as he gave the bag another whack when it started to make some electronic beeping sounds. 

"Oh?" Earl asked, curious. "I remember more than once we had some nasty run-ins with Eld-tech back when we were adventurers." 

"I remember you and Melthi being the ones to turn the blasted machines on, both times when cautioned not to," Felixin said pointedly, making the dwarf chuckle. 

"What can I say? We're both curious by nature!" 

"Yes, that's one word for it," Felixin said with a smile, remembering his adventuring days and the party of friends he would regularly travel with. "Anyways. For some reason, about six years ago, they suddenly became much more prevalent. Thankfully, their numbers have been dropping back down over the years." 

"What makes you think this one is from Eld tech?" 

"It kept saying 'Does not compute!' over and over again, while also identifying some kind of rabbit threat." Felixin's mood seemed to shift and his ears laid back on his head, while his tail dipped, almost long enough to drag on the ground behind him. "And when it mentioned rabbits, it made me think of my little princess." 

Earl rolled his eyes as he reached up and clapped the town wizard on the back. "Ah, Kiana'll be back to visit before you know it." 

"I know... it's just, one minute she was this little delicate baby girl, and the next minute, she was this amazing young woman, all ready to up and go out." 

"Didn't Kiana kick down a couple of brick walls when she was a baby?" Earl asked, scratching his head. Felixin waved a dismissive paw at that. 

"Pure coincidences. Those walls were clearly unsound and improperly constructed, so much so that when she was having one of her tantrums just a little punch or kick was enough to send them tumbling down. We're lucky she wasn't hurt or scared, just confused and curious more than anything. Anyways, I just get so worried when I think of her, out there on the open road. Just so... vulnerable. Thankfully I made sure to instill in her a proper sense of caution." Earl snorted at that. 


Kiana let out a roar of fury as her trusted tetsubo connected with the raised steel shield of the bandit before her. The metal dented and warped just as the bandit, shield and all, became airborne. They traveled in an arc straight towards a stone tower connected to an old run-down fort the bandits had holed up in. The screaming man smashed into the top of the tower, crumbling it, his screams instantly going silent. 

"Fire!" Kiana heard a deep voice shout. There were several blasts and, thanks to Kiana's speed, she watched as five cannonballs headed in her direction. To the ordinary person, the black metallic spheres were probably nearly impossible to follow. To Kiana, it looked as though they were moving incredibly slow. She simply stepped aside from four of them, letting them explode into the nearby hillside. As the fifth one hurtled her way, she crouched slightly, raising her tetsubo like a baseball bat. She swung and smacked the cannonball, her tetsubo making a loud DING, and sent it flying right back where it had come from. The two bandits manning the cannon were obliterated along with the weapon itself, as well as a good chunk of the fort wall. 

"She's some kind of demon!" one of the bandits cried. The man, really more of a boy, no older than Kiana, leapt down from the fort wall onto a carriage they had recently stolen from some traveling aristocrats. He then leapt onto the ground and sprinted out into the forest, stripping off the black cloak with the red eye in the center. 

"DAMMIT!" the bandit leader cursed, pulling off his tricorn hat and dabbing his bald sweaty head with a handkerchief. While the remaining men were busy barring the windows or reloading and firing the cannons, he was gnashing his teeth. After a moment's hesitation, he pointed to a nearby subordinate. "You! Follow me. We'll unleash the troll on her." 

The other bandit paled, audibly gulping. "Th-the troll? Are you sure th-that's wise?" Just as he finished asking that, another cannonball destroyed another cannon, making the entire structure shudder. 

"We don't have any other options. Hopefully, after it kills her, it'll be injured enough for us to finish it off... or the other way around if she kills it." The other bandit grimaced at the options laid before them, but nodded solemnly. Outside, Kiana smacked another cannonball back at the cannon that fired it, being careful not to send it flying towards the base of the tower. According to one of the kidnapped merchants that had managed to escape and make it all the way to town, the cells where the bandits were holding their ransom victims were all on the ground floor. Kiana stopped when she heard a loud guttural roar, followed by a rapid series of loud BOOMs. Bandits ran by the windows and open holes of the fort, while the front gate slowly opened. 

Out stumbled a massive creature. Its flesh was a dark brown, and had a texture not unlike tree bark. Its long arms and legs were thicker than the old oak trees in the forest near Starlight Rose. Its gnarled hands, with thick thorn-like protrusions sticking from the knuckles, balled into fists, fists that were as big as Kiana was tall. Its barrel-chest heaved, with white criss-crossing scars in its bark-flesh. It didn't have much in the way of a neck, and its head looked just like a tree stump, complete with root-like tendrils wriggling back and forth. It's mouth was partially concealed by the tendrils, until it reared back and opened its gaping maw, revealing rows of broken yellow teeth, to let out a bellow that shook the ground. From the top of its head grew two slightly spiraling branch-like horns. 

"These idiots somehow managed to get a forest troll?" Kiana asked out loud, a smirk appearing on her face. "And this was only a gold-ranked quest? Something tells me I'm in for a sweet bonus." 

The beast stopped as its knot-like eyes, of which there were at least seven, caught sight of the bunny girl. Up above from the second story windows and holes and from on the roof, the remaining bandits, many of them injured, looked down. Most were smirking, some of the more foolish ones shouted out taunts. The bandit leader stood there, looking grim-faced, but taking some satisfaction in knowing that despite their losses today, the annoying source of their problems was about to end, one way or another. 

Kiana stuck the end of her tetsubo into the dirt, large and surprisingly quick thudding steps shaking the ground. The beast was lumbering towards Kiana, who didn't look the least bit afraid. While not intelligent enough to be truly sentient, the troll did have enough sense to know that its prey should be running. And the fact that it was just calmly standing there, staring at it, only angered it further. With a final roar, the forest troll charged forward. It balled up a massive fist, and swung straight for Kiana. Kiana swung her own fist, the two colliding. 

There was a very loud, sickening crunch and pop. The bandits looked down in shock and horror as where the now screaming troll's fist and forearm had been, there was a bloody and jagged stump that ended just above the right elbow. The troll screeched and lunged at Kiana, hoping to impale her on its horns. But the bunny girl simply kicked, knocking the head clean off the rest of its body. The head bounced off a tree and rolled for a bit, settling in the dirt, a look of surprise on the stump-like face. The rest of the body tumbled over three times before coming to a rest near the make-shift stables, where the carriages and horses of the abducted nobles were kept. Kiana looked back up at the fort, making the majority of the bandits shrink back and shudder. A few of them began to wave white tablecloths hastily tied to sticks and tree branches. 

A short time later the bandits, now in shackles, were being marched to the mechanical cart as the local sheriff and his deputies led them. Except for the severely injured ones, who were shackled to stretchers and loaded up into a seperate mechanical carriage. Kiana looked on as bodies were checked for possible survivors, there being very few to find, as the merchants and a few nobles were led by deputies out from the fort. Kiana smiled at them and nodded to their looks of awe, some of them having gotten a good look at the show of force the petite bunny girl had demonstrated. Ignoring the ones who shrank back away from her in fright, Kiana spotted the sheriff, a large older man in his mid-fifties with salt and pepper close-cropped hair and a matching mustache. He was wearing the classic green cloak, directing his deputies. He turned to face her as she approached. 

"I think that's all cleared up," Kiana said, her voice chipper, belaying the fact she had a smattering of blood and gore staining her fur. 

"I'd have to agree with you, young lady," Sheriff Tonsol said, his voice even. In truth, he had tried to avoid enlisting the aid of any adventurers until pressure from various merchants and nobility forced his hand. And even then he had expected it to involve a large party and, more than likely, some lives lost from the hostages. He was a little surprised when the girl reached into her satchel to produce a clipboard with a form on it, as well as an ink pen. 

"In that case, would you mind signing this form indicating that I completed the job satisfactorily?" Tonsol looked at the form for a minute, and then his mouth curved upwards. He let out a chuckle and signed his name on the indicated line, writing in the date as well. 

"Satisfactorily is putting it lightly, miss," he said, handing the clipboard and pen back to the bunny girl. "I had no idea that they had a forest troll in their possession. I went ahead and bumped up the reward." 

"Oh wow, thank you, sir!" Kiana said, looking excited. 

Tonsol smiled, something his deputies claimed to be a rare sight to behold. "Well, you earned it. I'm just glad you were able to get them to surrender without harming any hostages. Well, without them harming any more than the ones they did last time someone came out here to free them." 

"I'm glad I could help!" Kiana said, bowing a little. "Now, I'm going to head back into town." She spread her arms wide and indicated to herself. "I'm really in need of a bath at this point." 

"If you don't mind waiting a minute, you can ride back to town with us. It's faster than walking." 

"Oh, thanks for the offer, but I'm good." Kiana waved, before jogging back to where she'd left her tetsubo and pack, Mirabelle coiled around it protectively. She grabbed the items up, quickly looking through the travel pack to make sure she still had everything, and nodded to herself, satisfied. She slipped the pack onto her back, then scooped her pet snake into her arms, and started to jog down the road in the direction of the town of Hengecliffe. Picking up speed, she rapidly became a blur, and in just a few seconds she was coming to a sliding stop in front of the town gates, startling a couple of bored-looking guards. 

She greeted them and let Mirabelle down before they let her inside. They stared at the snake with the big pink ribbon around its neck slithering obediently behind the bunny girl. She stopped off at the local guild hall to drop off the signed paperwork and collect her now even heftier reward. She noticed a few stares in her general direction, and some unhappy grumbling from some fellow adventurers, but otherwise no one said anything. 

Kiana then headed to the town inn where she still had a room for another night. Thankful again that this world had indoor plumbing, with hot water to boot, Kiana wasted no time in stripping off her gore-coated clothes, which she would wash in the laundry room down the hall, and enjoyed a nice steamy shower. She didn't have to worry about possible intruders, as Mirabelle sat coiled on the bed, ever vigilant. 

"Today was a good day," Kiana said, stepping out of the shower and drying herself off, a feat that took several minutes with a towel. This left her gray and white fur all fluffed-out, which led to her brushing it out. Kiana had grown accustomed to the care and maintenance of her fur, taking pride in keeping it clean. She then donned her underwear and a cream-colored sundress from her pack, carefully putting her dirty clothes in the laundry sack in her pack. She smiled and stroked Mirabelle's head, the snake letting out a contented purr-like hiss. 

"I'm going to go out and enjoy the rest of the afternoon in town. You stay here and guard the pack, okay?" she asked, slipping her mithril knuckles into her dress pockets, along with a small money pouch. Mirabelle hissed, thumping her tail on the bed in response, curling up tighter around Kiana's belongings. 

"Good girl," she praised, before heading out, locking the door behind herself for good measure. Kiana smiled as she stepped out onto the paved sidewalk, carriages passing by on the street. Hengecliffe was much larger than Starlight Rose, with paved streets and even streetlights. Centrally located in a region of plains, it served as a trading hub. Kiana walked along, noticing a few men and women looking her over. Some seemed to do so with distaste, more than likely not enjoying the sight of a beasta. But most seemed to be pleasant people observing a new face. 

"Well now, if my eyes are not deceiving me, it seems that an angel from the heavens has decided to grace us mere mortals with her presence." Kiana's ears twitched at the sound of the male voice. She paused and turned, looking down an alley, where a man leaning up against the side of a building stood, looking her over. He was wearing brown leather trousers, a white linen shirt, and a belt with a large buckle which, matching the large buckles on his boots, made him look a bit like a pirate. The goatee and the cutlass sheathed at his side were also not helping. 

"Hello, beautiful," he said, giving Kiana a wink. Kiana rolled her eyes, and moved to keep walking, only to find a squat bald man standing in her way, grinning sinisterly. Kiana checked behind herself and saw another man, a larger one with a completely shaved head, arms crossed with a club under one arm. "Now, how about we all go somewhere more... private," the pirate-looking moron asked, giving Kiana a smug wink. 

"Wow, you idiots have no idea just how badly you messed up," Kiana said, walking into the alley, the two guys following right behind her. The men chuckled. Passersby stopped when they heard three loud thuds coming from the alley, all of which made the nearby buildings shudder. They saw a bunny beasta girl walking out, brushing some dust off her sundress. She smiled and waved and continued on her way, leaving behind three broken figures. Two were lying in craters in the pavement of the alley, while the third, this one with a cutlass laying at his booted feet, was standing... his head laying all the way back in a hole in the brick wall right behind him. 

Later that evening...

Kiana was sitting just outside the town walls on a hill, watching the stars come out. After sixteen years, it still mystified her to look up at the night sky, and not see any of the old constellations. She smiled as a shooting star streaked its way across the sky. Suddenly, Kiana felt a surge of energy just course through her. Her eyes faintly started to glow with the blue light, and she felt a strange pulsing in her chest. Looking around, she felt a strange magnetic pull coming from the south. 

Starting as a jog, Kiana soon found herself sprinting outright across the countryside. She ran, as a blur, following the pull, her eyes gradually glowing brighter and brighter, shining with the crackling blue energy. Then, she came to a stop. She stood at the foot of a mountain, itself part of a larger range. Looking up at the mass of rock and ice, she could see broiling clouds up over it, flashes of lightning briefly illuminating the rocky and snowy peaks. With one such flash, Kiana saw something move. Something big. Kiana's glowing eyes went wide. 

"Oh wooooooooow," she said, her jaw hanging open. There were rumbles as the giant coiled mass shifted. Several avalanches were caused by the serpentine body, buried under tons and tons of snow. At the very peak of the mountain, a gargantuan head rose. 

"Is that a giant... cobra?" Kiana asked under her breath. Indeed, that was what the creature that seemed to dwarf the Spire appeared to be. In the light of the lightning, she saw that its scales were a deep blue, almost purple. There were stripes running down its back, but they were glowing a bright bioluminescent blue. That same glow radiated from the creature's reptilian eyes, and the inside of its hood. The same glowing blue as Kiana's eyes. 

"What... are you?" Kiana asked, quietly. 

*I can ask the same of you, little one,* a deep female voice hissed in Kiana's head. She winced and looked around. She then looked back up at the creature, her veins flooded with adrenaline. There was another flash of lightning, and in that very instant, the creature's head was bent down low, right in front of her. Kiana almost jumped back, but stopped herself. As the snake-entity looked her over with an eye that was twice as tall as she was, Kiana felt a sense of calm overtake her. 

"Are you... a storm dragon? A real storm dragon?" Kiana asked, reaching out and touching the creature's cheek with her hand. It flicked out a blood red tongue, its mouth curling up a little at the corners. 

*That is something that little ones like to call my kind,* she said. Kiana figured right then and there that this was a female. 

"A monk said that... my spirit is like one of yours," Kiana said, breathlessly. 

*Your soulsong feels similar to one of our kind, little one,* she said, turning her head and gently nuzzling the top of Kiana's head, making her ears lay flat. The storm dragon's head was almost as large as the entirety of her hometown. 

"My... soulsong?" Kiana asked. The monk she had met hadn't said anything about them. 

*The song of your innermost being. It stands out from the loud and noisy cacophony that happens when most little ones gather together in large groups. Yours is beautiful, and a little... fluttery.* The dragon gave her a wink. She reared up and opened her mouth. Electricity danced between the dragon's fangs, before she shot out a sonic boom. The raging storm above abated, the clouds dispersing, leaving only a crystal clear night sky for miles and miles around. She then turned and looked down at Kiana. The bunny girl felt the storm dragon's gaze. She felt a radiating warmth coming from her. It reminded Kiana of her mother. 

*It was so nice to meet you, little one. It was quite the pleasant surprise to awaken to.* She let out a proud roar, and her body began to undulate. Sections of the mountain range began to crumble as large sections of mountain were crushed and smashed by the body slamming into them. The body of the dragon rose into the air, beginning to gracefully slither about. Levitating there, partially coiled, the sheer size of the storm dragon just boggled the bunny girl's mind. 

"Will I see you again?" Kiana asked, feeling a little sad. She had just met this beautiful and amazing being, and already they were leaving. 

*Of course, little one,* the mental voice in her mind chuckled warmly. *I have listened to your beautiful soulsong, and I have shared my soulsong with you.* 

"I... I don't understand what that means," Kiana said, confused. 

*You will, little one,* she said, *you are still young, but my soulsong has resonated within you. When you stop and listen, it will become easier and easier to hear it. And thus, the bond has begun to form. In time, you shall understand.* With a flick of the creature's tail, there was a flash of lightning that radiated from within the hood, and she was gone. Kiana stood there, her eyes readjusting to the dark. 

"This world is so awesome," she said, a smile on her face, as she began to job back towards town. She figured that if the town gates were closed and locked, she could just jump over the wall. 


The lone figure stood in the dark, staring at where the great serpent had been levitating. They were sitting on a log in a small clearing, where they had set up camp. The individual in question was polishing their armor when a gray blur had shot right past them. And then, where it had been heading, the giant serpent, an actual storm dragon, arose. They sat there in stunned silence. They knew right then and there, that it had been a sign from the gods. As they unsheathed their katana, it began to thrum with magical energy, the blade becoming engulfed in bright purple flames. 

The light of the purple flames illuminated his green face, glinting off his polished tusks. "Soon, the war shall begin," said the orc, sheathing the blade and cutting off its purple light. The same purple light shone from his eyes. 

Name: Kiana

Species: Beasta (Rabbit-Kin)

Age: 16

Skills: Sibling Wrangler, Babysitter, Puppy-Dog Eyes, Master Martial Arts, Brawling, Heavy Weapon Proficiency, Sarcasm Mastery, Eyerolling Mastery, Beast Taming Level 3

Class: (Official) Master-Level Dragon Monk: Storm Dragon School, Storm Dragon Hatchling.

Str: 141
Int: 12
Dex: 140
Cha: 12
Wis: 10
Con: 172
Languages: Common, Draconic

Equipment: Adventurer's Pack, Steelwood Tetsubo, Mastercraft Mithril Knuckles (x2), Rope (25 Ft.), Canteen (Full), Road Rations, Spare Clothes, Bedroll, Health Potion (x2), Books (x3)
I really hope that you enjoyed the new chapter! Thank you for reading so far!
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submitted by ShadowDragon88 to HFY [link] [comments]

2023.06.06 03:41 Imaginary_Career_174 Seasonal, teenage lifeguard being prevented from working

My son is 16 years old and became a lifeguard last summer. He had a great season and did very well. He enjoyed his job very much. He had his rehire interview in March with the same company. At the end of the interview they asked him which pool location he wanted to work at, and he said the same pool he was at last year. The reason for this is so he can walk to work because he is saving his money for a car. He applied early so that he could have first dibs on this pool since it’s in walking distance. The pool company told him they wouldn’t be at the pool this year, so my son told him he would not be able to work for them since they wouldn’t be there. He finished the interview and immediately started searching who would be the new pool management company. He interviewed with them, and they gave him a job right away. He’s making more money than he made last year and he’s even manager on duty this year. All good things. So two weeks into this swim season, all of the sudden over the weekend he found out that the pool company he worked for last year said he won’t be able to work at the new company because of a 12 month noncompete clause that nobody told him about that the other company wrote into their contract. From what I understand this is rarely, if ever, enforced.
He interviewed with the company last year and they never told him about this being an issue!
Now he’s lost his shifts because the new company doesn’t want to deal with this threat.
Here is the letter I wrote to the man with the previous pool company I spoke with about it. I’m removing names and locations for now:
Hello _____,
I wanted to check with you before we take any further steps on behalf of our son _, to see if you have had a change of heart. I spoke with _ at ____ Club today as well as [New management company]. What I found is that your stance on this matter is strictly isolated to you. Everyone else is on our son's and the other 7 lifeguards' side. [Club Manager] mentioned that you are fully staffed and [Club] was fully staffed, so there is no good reason for you to push this issue. Everyone is surprised at the lengths you've gone to, to interrupt these teenage lifeguards' plans for SEASONAL work. Some are more affected than others, and our son is being greatly, negatively affected. The ____ Club and [New pool management Company] also find your position to be totally unreasonable, that such clauses are rarely, if ever, enforced.
As I shared with you yesterday, our son reapplied to [previous company] in March. His interview was on March 12. He wanted to be early so he could be sure to work at ____ Club, so that he could: - walk to work - earn money for a car - work hard as a lifeguard and grow his experience - add another year of lifeguarding to his resume
When [our son] named _____ Club as his location, [previous company] said that they weren't going to be there this summer. [Previous company] did not tell him he wouldn't be allowed to work there!
You said on the phone that you didn't want other companies poaching your employees. First of all, these lifeguards are minors. Second, they're working seasonal jobs. Third, you require them to go through re-hire interviews. [Our son] chose where to work this summer based on the location of the pool. No one poached him. He made the choice based on our circumstances. Your offer to find him some hours at your pools in Raleigh won't work. This morning I mapped our home address to [Another Club] as well as [Country Club], and found them to be 35 and 40 minutes away from our home depending on the route, NOT 10-15 min as you stated yesterday. You literally laughed at us on the phone, as if you know better. As I type this email at 5:00pm, the distance to [Another Club] is 38-40 minutes, and to __ Country Club is 37-44 minutes from our house. So, as we previously stated, your offer to rehire [our son] and send him there just won't work. If a lifeguard can't get to your locations, they should be free to work where they can.
He reapplied early. He did all the right things. He made his plans and set goals, and here you are getting in the way of a hard working teenager being able to work his job. Since this all happened at the last minute, [our son] has lost all his shifts because of distance. Even though he made his plans early and took action toward his goals.
Though I shouldn't have to, I'm even willing to reimburse you for a portion of his training fee he paid last summer. I believe he got a $100 discount on the training. You and I both know that being a lifeguard is not a proprietary job. There are no patented secrets you taught him, and neither my son nor the handful of other lifeguards should not be held in limbo because of money and greed. My husband and I will send you money to offset the cost of his lifeguard training and you can be free of this. If I were in your shoes, I'd want to be free of the guilt of hurting someone else and preventing them from working.
I hope you've thought about your impact on others and changed your mind. You're being punitive and vindictive, and my son is an innocent bystander. Looking forward to hearing back. —————
What can we do in this situation?
submitted by Imaginary_Career_174 to legaladvice [link] [comments]

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submitted by AutoModerator to HQCoursesGenki [link] [comments]

2023.06.06 03:39 dugongbughaw09 Best savings bank with easy credit card approval?

With the looming Maharlika Fund (scam), I'm considering withdrawing my hard earned money from Landbank and transfer it to a new bank.
Do you guys know which one is better for savings and has easy credit card approval?
I had a bad experience with BPI and BDO so they're out of the picture.
submitted by dugongbughaw09 to phinvest [link] [comments]

2023.06.06 03:38 Aggressive-Fudge1945 AITA for being upset my friend quit her job?

My best friend currently owes me over $1300. Her and I both struggle with adhd. I am trying my hardest to be understanding with her, because I can relate to the struggles… she has quit every job she ever got, and waits months before starting to look again. Last month she finally got a part time job and after completing only 2 shifts, she quits again. I watch her spend what little money she has on Starbucks and snacks, without giving me even $1 back. She asks me to lend her money for necessities, and I haven’t been able to tell her no. I don’t think she’s a bad friend by any means, but she’s taking advantage of my kindness…. I finally confronted her, because I have no money left to give now. And I’m upset to feel like she isn’t even trying after quitting so quickly. She didn’t respond so I’m afraid she’s mad at me. But I don’t feel like I’m completely in the wrong for being upset about this… With adhd, we are all told we don’t try hard enough, and it’s frustrating when we are trying our best. But I get the impression she is using adhd as an excuse instead of trying to find ways around it. I just want my money back. so AITA?
submitted by Aggressive-Fudge1945 to AmItheAsshole [link] [comments]

2023.06.06 03:35 ashley8976 What is a GC Deposit on a bank statement?

hello, so i was sending my mom money and on her account i saw a large deposit it was titled GC with some numbers. I was wondering if anyone knows what this could be? maybe a mortgage loan? Long shot but i’m just curious since it was a deposit of almost 400k
submitted by ashley8976 to PersonalFinanceCanada [link] [comments]

2023.06.06 03:35 stinkerz412 I feel like I lost my mom, I have to let her go

I'm not even sure where to begin, I'm deeply hurt by my mom's actions and words. She's spiraled into someone I cannot even recognize and I feel like I've lost her-even though she's still alive. I'm sorry for this being such a long rant. Our situation has not been the best in the last 3-4 years. We've been financially struggling, yet every time we're close to getting caught up, my mom decides to take a trip or impulsively spends her money. I won't lie, my family isn't the most financially literate, but they're all hard workers.
To start, in 2020, when lockdown happened, my mother reconnected with one of her old friends in another country. Eventually, she broke the news to my little sister, (we'll call her B) and I that she was in a new relationship, (V). This was a shocker for both of us, but we were happy for her because her previous relationship was rather toxic for my mother and was consistently on and off for years. The first time she left B and I, was later in 2020 when COVID was still at peak, we were both 13 and 16. At first it was supposed to be two weeks, then she extended her stay to a month, then to two months.
When my mom had left, my grandma was in charge of B and I. My grandma blocked my mother the moment she landed, she was convinced my mother was lying to her because grandma was getting notifications that the account password was trying to be changed in 3 places within the country my mother was going to. At this point, things were already tense, because B was already feeling like mom was invalidating her and still treating her like a child, even though she was turning into a teen. My mom made excuses to her staying longer by saying how there were storms and that, "she couldn't know him in just 2 weeks".
Mom and Grandma have never had a very stable relationship. They've both done hurt to each other that I hope they can get therapy. One thing my mom said to grandma is "Oh you're so hard to deal with even your husband finds you impossible". My grandpa hasn't talked to my mom since and can't stand the way she talks to grandma. Plus, mom has a tendency to lie, or as she puts it "keep people out her business", will say something completely off about the situation or leave out extremely important details. My mom would have me log in to some of her accounts while she was away and would have me submit a form almost every week for her relief or something of the sorts. Turns out, she was using it for her trip and asked me for her certificates and important papers to send to her friend who was going to send it to my mother. My mother was planning on marrying the guy without saying anything to B and I.
She even told my dad we needed groceries and would have him send 200 a week. I spoke to my dad and told him we don't go every week and that mom was out the country. Obviously, dad wasn't aware and was rightfully upset with her. He was sending money for B and I, while my mom was out probably using it for her trip. B and I had no idea he was sending money to her. Mom was outraged and told me she wasn't lying and just with holding information. My dad confronted mom over the phone, telling her how she should've told him. How concerned he was for our safety, which is valid. My mom calls me back and claimed my grandma was brainwashing me and how I was ruining her friendship with dad. She told me to call my dad and tell him we were okay. She told me how she deserved a vacation and to not get frustrated with her.
Like I mentioned before, my mom refused to treat my sister like a teenager, refused to let her watch age appropriate shows and just treated her like she was 6. My grandma, B, and I, all like watching crime. Mom hated when B would watch and told her, "I don't want you to be what OP is and I don't want you to be lost like her and how she is". I was 5 months into therapy around this time, I wanted to get help and get better. I cried when I saw the messages. Not even two weeks later mom came back. B and I didn't greet her, to which she said, "You girls are so ungrateful", slammed her door and didn't talk to us.
I love my mom, I wanted to have a good relationship with her and took it upon myself to do damage control. We "cleared" things up through our talk. Except she talked to where it would be in her favor and play her as the victim. Things were good for the next two months until she decided to go back again. This time she would be marrying V, her new man. Before my mom left, she was adamant on refusing to tell my dad she was leaving. She practically threatened B and I to not. My dad was upset we didn't tell him she went out the country again, and me being a dumb 16 year old, told him I didn't think it was my responsibility to inform him.
By the time mom came back, it was almost a week before B's birthday. Mom broke the news that she was pregnant. Neither of us were happy. B and I cried and mom wasn't happy with our reactions. She was upset for a couple of days and I turned around and offered my support to her. B was heart broken since she's always been the baby in the family. Mom having another was the straw that broke the camel's back. Their relationship was just torn from that moment. She did go with her out of the country just for vacation. As my sister puts it, it wasn't a great experience and mom was upset with her for not speaking much.
Mom was also slowly getting disowned by the family by the time she came back. When she was due in late 2021, I offered to stay in the hospital with her, but because I wasn't 18 and COVID was still an issue, they wouldn't allow me. My grandma instead stayed with her and eventually left after the baby was born. Rather than picking up my mom from the hospital, she offered to drop the seat and told my mom she could UBER home. I don't agree with how grandma handled it, my mom did just have a baby.
All was well, baby was fine. School was okay, I did struggle a bit because of other factors. However, by the time I had graduated, I decided to take a gap year. I didn't know what I wanted to major in. If I did go, I didn't want to drop out, continuously change majors, or worry about how it would get paid. At the time, my family was still struggling financially. I picked up hours at my job, and mom stayed with her friend who was also her boss. Her boss was not paying her at the time because she was in the process of a divorce after her husband put her business in jeopardy.
I became financially responsible in the meantime and had to pick up some of the bills, with the very little I received from my pay. Mom would get paid time to time, but it was so inconsistent that I was the one who was head of household. Sometime she would pay me back and other times, she refused to and would apply the amount to a bill she believed I needed to pay. She financed a new car that was well beyond what we could pay, same for the insurance for me. We split the car note and I split the insurance with my dad. Every month I was paying 450, including half the insurance, for a car I do not use a quarter of the time. Only time I would have it frequently was when mom was out on a trip to see her husband, since I don't have a car of my own.
Mom eventually invited her boss and kid to come live with us, told her to not pay the first months rent and let her stay until earlier this year. Her boss was late on payments and overall it was an uncomfortable experience living there because I felt like they were leeching off of us. The bills were doubled or tripled and I was expected to pay some of them. Before they moved in, I expressed to my mom how I didn't think it was a good idea since she was already behind paying her and was inconsistent with her payments and owed her so much. Mom refused to listen and just let it happen. B was uncomfortable and ended up staying with our grandma more often and rarely came over.
Around this time, mom became very pushy about me babysitting. She would ask when I was off and if I could watch baby. Not ask, more of demand. Sometimes I would offer, but it became a problem to which I barely had time to myself. One incident happened near the holidays. It was around Black Friday time, the car was in the shop because I accidently hit a deer that ran in front of me. We were using a rental at the time. I told my mom a week before that I needed the day I had off, because I would be working 5 days, only have one day off, and then work 6 days in a row. Mom didn't listen and the day before, asked me to babysit because the babysitter couldn't. I told her no and she guilt tripped me and told me she would be home at 3. She left at 11, came back at 3ish with hand tattoos. Showed me them and then left. I was in disbelief that my mom would do that. It was a punch to the face, she knew we were already struggling, and she knew I needed that day off. My grandma was the one who picked her up from the rental. Mom wasn't home until 6. Mom left for thanksgiving with her aunt. She came back and left again for a month for Christmas with baby to go out of the country to see her husband.
Before she came back, her boss packed her stuff and left without a word to my mom. By the time she came back, it was tense, she was let go and had to look for a new job. I was fed up with the constant babysitting and had either my grandma take me to work or my boyfriend, K. I rarely offered and mom would ask but I would rarely say yes or made an excuse. More as of recently, it's come to the point where I feel as though I'm living with a roommate and not my mom. B isn't at home and I don't blame her. Luckily I've reconnected with my family after being isolated and taking my mom's side for a few months. My family is supporting me and I'm going back to school next semester.
I made plans one weekend with K and my mom called me the next morning and asked me to watch baby. I offered to buy the things she needed and said "No, I have things to return". I offered to return them, she refused. She said "These are things I need to buy on my own". I asked her why she couldn't take baby, her only excuse was that baby and her had a long day yesterday and that, "it would be tedious and time consuming getting baby ready". I told her, "Yes, that's YOUR child." Mom sarcastically said, "Wow, you're right. Thanks for reminding me like I didn't know," and hung up.
My mom has a tendency to give silent treatment. Why? I don't know. I had gotten off of work late one night, mom picked me up and I asked if we could stop by somewhere that was still open. After receiving my food, we're pulling out, there's a car coming by and I told her to not go. She's on her phone texting, stops, and says "I know, I've been driving for years. When have you seen me turn and drive?" Without thinking, I respond, "When have I not." She blows up at me saying how she's tired of my stupid annoying comments and refuses to talk to me the rest of the way home. I tell her "goodnight, I love you," when we get home. I say it 5-6 times before she responds back saying goodnight.
The next day, she was silent with me when I came home. While I'm leaving with some of my stuff since I was staying the night at K's, I say "bye mom. I'm leaving, I love you." She only responds with a bye in a serious tone. I cried in K's car, even the next night when I stopped by for a few more things, she was cold. I decided to test to see if she was purposely refusing to say it back. When I told her bye and I love you, she just said bye. I repeated it one more time and it was the same response. She later texted me saying "I love you, don't ever doubt it." I didn't respond. She said it the next few days, but remained cold with me. Just recently, she texted me while at work and asked me about the move situation. I hadn't responded just yet and she sends a long paragraph about how I owe her the respect of answering her important messages and that I should find the time to. By the time I see the message, I tell her I'm at work, that she knows I do not look at my messages and that I have B's and I's situation under control.
Last night, as I was leaving to stay at K's again, I ask mom if she had already taken the day off for orientation. She's quiet and in a monotone voice replies, "yes, why?" I tell her my aunt offered to go since she's experienced school and would like to help. Plus, mom was already tense and I do not want to be stressed when we go. She goes off about how I'm an adult and I make my own decisions and how I should do whatever my heart desires. I stare at her for a second. I really wanted mom to go with me, but with the way things are, I decided it was best not to. I finally tell her that I think my aunt should go with me. When I tell her I'm leaving and to have a goodnight and that I love her. She only responds with a goodnight. I'm sobbing when I close the door and in my boyfriend's car. On our way to his house, mom calls, says my cats and I need to be out before the beginning of next month, and tells me she will be looking into handing over custody of B to me. I try not to cry while I say, okay, I love you. She hangs up without a word.
I'm extremely heartbroken and overwhelmed. I'm so mentally and physically drained from work and mom. I feel like I've given her all my support, all my time and money only to receive very little back. I miss my mom. I miss when we would talk and not just for 5 minutes a day. I miss when B, her and I would hang out, not just her on her phone calling her husband 24/7. I miss when mom didn't drag me into her issues and expect me to put her fires out with dad and the family. I miss making jokes with my mom and having conversations without her turning our talks against me. I miss mom.
The thing is, my mom's made her decisions and expected B and I to be okay with it. She's basically given up on B and just doesn't text her unless she needs something or to borrow money. I know B and I will be okay eventually, but I'm so distraught over the idea of cutting off mom. I know it's for the best, and hopefully she realizes her mistakes.
Mom has never been a bad mom. She's been a good mom. She's worked hard to provide for B and I. To make sure we lived comfortably. I know my mom has a lot of baggage and trauma I hope she can get help for. I love my mom and I want her to get the help she needs, but she's made it extremely apparent, she does not want it. I've tried my best to stick by her side, but I needed her to stick by mine too. I really do love my mom, but this is not my mom. I'm stuck on how mom used to be that I refuse to realize that this is how she is. I love mom, but I know that I have to let her go and be better than how she is now. Not just for me, but for B too.
submitted by stinkerz412 to offmychest [link] [comments]

2023.06.06 03:35 ThrowItAwayAlready89 Stoicism Take on Comparisons / Envy

I know comparison is the thief of all joy, but I can’t help but feel like it’s not fair that some of my peers who I know worked way less hard than me are making 3x more than me in income because they fell into plush situations.
For example my college roommate got a book of business basically handed to him and probably truly only works like 10 hours a week and he partied all the time while I was in engineering school.
I am comfortable and make good money but as soon as I find out inadvertently that they make degrees of magnitude more I can’t help but feel like I’ve had a shit deal
submitted by ThrowItAwayAlready89 to Stoicism [link] [comments]

2023.06.06 03:34 acoolusername561 Best Budgeting App for Savvier(ish) couples

I’ve gotten away from budgeting since getting married and trying to get back on top of things after about 2 years. I’m fairly savvy in terms of my tracking and finances but my SO absolutely despises it.
I’m an active cc churning, have multiple bank accts, and buy and sell employee stocks each month to get the max match which is making it hard to track expenses. Ive read to try YNAB but the app doesn’t seem intuitive to assign money to spending categories and then also have to assign money to the cc which you’re putting the spend on.
Are there any other apps that would be more appropriate for our situation?
submitted by acoolusername561 to personalfinance [link] [comments]

2023.06.06 03:34 Adam-best Electrical Hip Muscle Stimulator

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submitted by Adam-best to McrOne [link] [comments]

2023.06.06 03:33 Hay_Is_4_Horses Double Dose..

A close friend of mine was married to what I would consider now to be a malignant narcissist.. He took her for everything she had... All under the guise of God. He was much older and she was leaving a very dark past of drugs, and all the "fun things" that come with that life style. For her it was very much headlong into a biblical marriage and God, a new community everything.. she forsook all. Fast forward 10 years and she caught him gambling her money and others money, away on top of sneakily entertaining other women. Again.. under the guise of God. He was "ministering to them". I knew him for about half their marriage and for me he seemed to be a godly man that was just rough around the edges.. I became his flying monkey with a cape to match.. I knew he had some "bad habits". But surely these indiscretions were just bad days and most certainly misunderstandings.. She needed to forgive him and submit.
When I saw her spiral into a type of depraved double life... I condemned her.
I thought for sure she was the problem.. he would always look so kind at church.. and in our social circles.. she just looked like the younger overly sensitive wife.. and she would say herself.. "I'm the problem".. I'd had my issues with him that made me distant from him but.. my logic was.. I'm not his wife.. I wasn't built to withstand the things that she's built to withstand.. After all, look at me and my marriage (I thought). My husband isn't easy but we're making it work. She just needs to look to God..
They ended in divorce and her ex narc died months later from unknown causes in another country..
Around the time of her sending him away I came face to face with my own reality .. I ran to my parents, friends, family.. I want you to understand I have a very WIDE, LARGE circle of people around me.. easily over 30+ who I could in one way or the other confide in to some extent.. 2 people believed me and 1 was "neutral".. everyone else took his side.. Immediately I thought about my friend.. and how hard I was on her.. The word is "ashamed".. that's how I felt.. she tried over and over to confide in me.. to be honest to some extent.. but I measured her harshly and set him free (in my heart/mind).
I took a hard look in the mirror.. I stood so firm on those words of God.. Was I going to be so firm in my convictions now that it's me? So here I was clipping my wings. No longer his flying monkey.. and staring at a large crowd of my own.. Daunting. I cried to God like I never ever had before.. surrendered my hopes of being a mother, my dreams of fulfilling his marriage covenant and being the "model married couple under the Lord". I had a gremlin in my camp and my husband invited him over for tea and coffee.. OFTEN. No one can live like this.. I apologized to her and told her everything that was going on.. She did her best to be there for me but.. the truth is I hurt her deeply.. we were best friends.. Over and above that.. she just didn't have that kind of care to give anymore...
Today currently in this moment.. I'm mostly free from the hurt of "everyone believes him". But family, know that flying monkeys don't know they're the second round of abuse.. the Double Dose.
Its shameful because they know you and your character..your circle knows the type of person that you are..But consider. You were married to the Narc.. how long did it take you to see past their mask? How much more the outsiders that didn't live under your roof and experience it first hand? Doesn't matter if the narc is parents, spouse, children, friend.. often times the role is so well played that truly "God alone".
Why did I say all of this? Because.. Don't become weary in well doing.. (Galatians 6:9) If you hold on to our Father in heaven who sees all. He will reward you.. this has nothing to do with staying or leaving.. Or keeping/excommunicating. This is obedience only.. Whatever you feel God is leading you to do in your spirit. Love the flying monkey.. forgive them.. not for them but for you.. and your own literal sanity. (Matthew 6:14-15)
Jeremiah 29:11 For I know the thoughts that I think toward you, saith the Lord, thoughts of peace, and not of evil, to give you an expected end.
Narc abuse will make you think God has forgotten you.. not so. That God is harsh.. not so. That God is unhappy with you and that's why your under this type of spiritually crushing abuse. No... He's not like that.. He's near to the broken hearted (Psalm 34:18) Don't let abuse rewrite who God is.
This is as much support/therapy for me as it is for you.. you're not alone. Don't give up on Him. God sees all. Love you guys
submitted by Hay_Is_4_Horses to BelieversAndNarcs [link] [comments]

2023.06.06 03:33 RN1379258 Should I (22F) break up or stay together with my boyfriend (23M)?

I would like to start this by saying I know this is long I'm sorry, it's a drawn out situation. I'm diagnosed with depression and general anxiety, I over think everything because lots of childhood trauma. I don't have access to therapy (financial reasons) but I take medication prescribed by a primary family doctor. I am mentally draining myself every day thinking about which would be the better decision and have weighed the pros and cons of both but still am at a crossroads and the anxiety is eating away at me. I have self sabotaging patterns towards things that are good for me thinking I don't deserve them, but I also when in bad situations tell myself "I deserve better" so I don't know if my decision would be based out of repeating trauma or breaking the pattern. I'm trying to make the best decision for myself and would like to hear others thoughts.
I (22F) met my boyfriend (23M) 2.5 years ago online who lived an hour away and it became a steady blossoming love that grew over the span of a couple months. When we got together we were still living at our parents houses, saw each other often and things were great. Even after we got out of the honey moon phase we were always communicating our expectations, feelings and thoughts, hearing each other out wholeheartedly, looking within ourselves to self improve, smoked some ganj, went on adventures/traveled, sex was good, had stable incomes, and it was a great partnership. Then something shifted a year in, it wasn't any particular thing that happened but it was a definite shift.
I remember around the time the shift happened, depression was getting to him and my cat had developed bladder stones and was blocked and needed urgent care. Kitty recovered well and is healthy, but the whole vet ordeal sent me into over $3,000 in debt and took so much of my savings. I confided in my partner emotionally, also saying I would need financial help because I needed to pay roughly $90 a week to pay off a loan from care credit of $2,200 in 6 months before I got hit with an insane APR. We had stable jobs but that was still a huge hit and we both already had credit card debt.
For some reason he decided it was a good idea a couple weeks after that happened to go down to part time at his job when he was working full time. His job paid around $15ish for full-time and $13ish for part time. He said it was because he disliked the job which was totally fine, but instead of looking for a different job he went down to working 15-20 hours a week. I understood him wanting to not work there because being stuck at a job you hate sucks, but I didn't understand why he didn't get a different job entirely, instead of going down to part time especially knowing I needed his financial help.
Eventually our financial situation got very tight because of both of our circumstances and he ended up rarely working at his job (like one 5 hour shift a week). He ended up racking two grand of credit card debt and my savings got drained down to a couple hundred while before it neared two grand. Throughout the next couple months we didn't do any more fun things and it would consist of him doing odd side jobs to get a couple $20's in cash for bare necessities. He attempted to get stable full time jobs but would quit a month in because he didn't like it (before securing a different job), would fail a pre-employment drug test (he messed up doing the fake pee), or got fired because of tardiness, or having a workplace accident and then failing the drug test that followed. I was really understanding through all this and did my best to be there for him, but I was so drained.
I'd kept my stable job the entire relationship and a couple months into the rough patch I eventually got a raise from $17 to $19.50 and was providing a lot of the necessities for our relationship while also trying to keep the relationship "fun" (picking up the tab to a restaurant, going to a movie, mini golfing, arcade, etc.). After about a year passed going through this rough patch I started to become resentful. I'd communicate with him how I felt alone in trying to fuel this relationship. He started emotionally clocking out, not doing romantic things anymore, not putting effort into finding jobs (it would be months in between job attempts), and he would hear me out and apologize for everything and then would say it's because of depression. I understood depression so heavily and I encouraged him to reach out for help. He was on his parents insurance and it provided free doctors visits and free therapy allowing him to switch his therapist for free at anytime if he didn't like them, but he was so reluctant to use those resources. Eventually he started trying medication but said it didn't work so he switched it to something else and then said that didn't work either, but he was pretty inconsistent with taking his medication. He'd schedule visits with his therapist and call last minute before the appointment saying he wouldn't be able to make it or just didn't show up in general with no warning.
It seemed like he just kept getting worse and didn't have any will to get better. When it came to our sex life I told him sex positions I liked and he would rarely do them, all while we would do the positions he liked almost every time. When it came to cuddling it was always me holding him with his head on my chest but never the other way around. When we would be grocery shopping and I would be buying all the groceries he wouldn't even push the shopping cart or pick up heavy things (not refusal, just never offered). I felt like he was benefitting from me while I was suffering. I brought up to him that I felt alone all the time and it was always met with a sincere apology but no changed behavior.
Eventually I gave him an ultimatum that I was going to leave if things didn't change. Then he would change for a couple weeks and then it would go right back to what it was. I would communicate with him again and again and it felt like I was nagging him to meet my needs. I felt like I must've done something wrong, at the very least enabled the behavior. I wanted to move out, go to the gym, eat right, get my life together and he didn't have near as much will to do those things as I did. I was so filled with resentment I started emotionally clocking out, and then that's when he started to change things.
He started doing all the things I've been asking him to do for over a year (some things have still not changed though) and he 's about to get a job he's dead set on keeping, he found a medication he thinks is working, and we have plans to do fun things this year, but I'm so weary. I'm having a hard time putting faith into his ability to offer stability. I'm also having a hard time building that trust back into him after all the empty promises he's made.
At the height of our "conflict" (we never yelled at each or name called) we were having a discussion on financial matters...again.. and when I expressed I was tired of buying food for the both of us he said "Well I just won't eat then" and when I told him I was tired of being the only one to pay for the fun dates to keep our relationship exciting he said "I never asked you to spend that money." Yet for an anniversary present I made a "date idea" jar and it was filled with little pieces of paper with cheap/free/at home/outside date ideas. I gifted it to him and only ONCE has he expressed interest in using the jar, and when he pulled a piece of paper out and read the date idea he said "I don't feel like doing that" and put the piece of paper back in the jar, then back on the shelf.
It feels like it's only changed because I've begged him and said I'd leave if things didn't change. But now that he's proven he was fully capable of doing all those things all along, and just watched me suffer while I held up both ends of our relationship, it makes me wonder what would happen if he spiraled into another depressive episode. Would this same thing happen again?
He's a kind man who's always there to lend a helping hand if asked, my family adores him, he's the kind of man that would NEVER cheat, he has good friends that respect and love me, he's caring to animals, he listens attentively when I have something to say, etc. but I wonder to myself... is that the bare minimum as well? Now that he's doing a majority of the things I asked, is it wrong to leave? I just still have so much resentment left and no idea how to get rid of it and I still find myself emotionally distant. Or is it valid to leave because it took so much begging and suffering to get here and I can't guarantee it won't happen again? TL;DR - Boyfriend was putting A+ effort into the relationship in the beginning, stopped putting in effort a year in and was putting in basically nothing, then after me communicating frustrations multiple times and finally an ultimatum, he straightened up but it still doesn't feel legit.
submitted by RN1379258 to relationships [link] [comments]

2023.06.06 03:33 Certifiedmidwife Power of Having a Business Consultant

When we begin our own business, our most important advocates are our business consultants. They help you turn any problem into a solution. Their job is to solve problems within your business. Consultants can solve many business problems. Different types of consultants have different solutions.
It is not always easy. Finding the right business consultant can be difficult for business owners. You need to search for the best qualities that are most suitable for your business. A consultant must have passion for their work, drive to excellence, and an eye for detail and organization. It is important to find a consultant with expertise in your industry and experience solving the problems that your company faces.

Why a midwife business consultant is necessary?

Some companies wonder why they need a business consultant. Because they already have smart people, why would they need a business consultant? There are many reasons it is a good idea to hire someone outside.
Here are the most common reasons to hire a business consultant:
  1. Insufficient expertise – Sometimes the skills required for growth aren’t available within the company. Expert consultants can provide the expertise and experience required to complete a project or solve specific problems.
  2. Time constraints – Sometimes employees don’t have the time or the resources to complete a project or conduct the necessary research. Business consultants can be an invaluable resource to quickly staff up for short-term tasks or projects.
  3. Inadequacy of experience – It’s hard for employees to keep up with the latest trends and technologies. This results in a shortage of skilled employees who are knowledgeable about the most recent tools and methods. Training can be provided by business consultants to meet the demand or provide support until the skills are acquired.
  4. Flexibility in staffing – Businesses can hire business consultants to help with short-term projects, without having to pay a salary or benefits. Once the project is complete, the consultant’s contract expires. A company doesn’t have to budget for severance pay and other HR obligations.
  5. Unbiased opinions – It’s important to have an objective opinion when there are conflicts or problems. Experts in strategy, business consultants can offer perspectives that may be overlooked by stakeholders who are too close to the problem. They can help you think through the problem, navigate within politics and provide sensible solutions.
  6. Cross-pollination of new ideas– Business consultants have worked with many companies and industries. These ideas can be cross-pollinated to help businesses think outside the box and include new concepts and methods.
  7. For special projects that require speed and efficiency, companies can hire consultants who have previous experience. Perhaps you are looking for a new solution to a problem in your company’s software. An experienced consultant can help companies quickly overcome the learning curve and implement new tools in a cost-effective manner.
  8. Assessment – A business consultant can help companies identify data and define the problem. They will then recommend solutions.
  9. Conflict resolution – A mediator can be used by an outside consultant to help resolve conflicts. Business consultants can act as neutral mediators to resolve disputes in different situations.
  10. Compliance – Businesses must adhere to all federal, state and local regulations. Compliance consultants can help companies avoid violations. It can be difficult and complicated to implement regulations. Hiring an expert can help you save time, money, and resources.

Benefits of Hiring a Midwife Consultant

1. Expertise
A business consultant’s greatest advantage is their ability to specialize in specific areas. This allows them to provide the necessary expertise for each sector. Consultants will often work with several clients within their specialty area. This allows them to keep up to date on the latest developments and trends in the field. This can help organizations stay ahead and make the most of new models and methods. Consultants can help clients make immediate decisions and help to build a long-term structure that can increase productivity and performance. This can easily be quantified as a return on investment.
2. Independence
Permanent employees may be subject to internal “politics” within an organization. This means they might agree to things in order to please their boss, rather than because it makes sense. Consultants bring a different perspective that could make a significant difference in how you run your business. Good consultants will be objective and impartial. They are not connected to the company and can therefore focus on the client’s goals/plan without getting distracted by internal distractions.
3. One-off-costs
Organizations that hire external expertise to assist with individual projects don’t have to pay overhead costs. These include providing benefits or even providing a computer and workspace. Clients can also extend their contracts based on their needs and the results of the initial term. They don’t have to worry about having to contribute to another pension fund or covering holidays or sick pay.
4. Best practices
Consultants can work with a wide range of clients and have the ability to draw on experience from many industries and companies. They can offer innovative solutions because of their diversity of thinking. It also allows them to share best practices. Organizations can learn from the top performers in their industry and find ways to improve their operations.
5. Maintaining the business in operation
For some roles, organizations can use internal resources to staff their projects. However, in certain cases, the running of an organization may be affected by the removal of resources. In these cases, consultants can be a useful way to ensure business continuity.
Related Blogpost:Businesses A Midwife Can Create
Have a 30 Mins Schedule with me and Enroll to the Course: https://midwiferybusinessconsultation.teachable.com/p/midwifery-business-consultant
submitted by Certifiedmidwife to u/Certifiedmidwife [link] [comments]

2023.06.06 03:32 Apprehensive_Okra_74 Western Union lost receipt

Back in March I bought 2 money orders at Vons in San Pedro.
I sent the money orders via the USPS in one envelope and they never made it to there destination. Unfortunately, the money order receipt and the print out receipt from Vons are lost as well.
No one has cashed the money orders and there is a stop payment on them.
How do I get a receipt from Vons? Western Union won’t release the money back to me without a receipt.
I went to Vons three separate times. No luck. They told me to talk to corporate. After aback and forth with corporate they said I had to go to the store. See where this is going….
Please help, I just need a receipt to prove but no one will give me one. Every time I call Western Union they kinda give me different answers and honestly it’s really hard to follow what they are saying through their accents. I feel so lost and stuck. I explain every time to them about the receipt situation and they just repeat themselves. They aren’t grasping the situation.
submitted by Apprehensive_Okra_74 to u/Apprehensive_Okra_74 [link] [comments]

2023.06.06 03:31 Used_Drama_7655 Need advice

We are both mid 30’s met online and married in few month due to pregnancy. When we met I barely had a stable job, I was pretty much working under the table to survive while she had stable income, almost double what I made. By no means we were well off, barely making it with both incomes. When we got married, it was tough as there was no proposal and married in an office. I take the blame for it as I was stressed with baby on the way, no family locally and barely had money. After the baby, I couldn’t do a lot since I was not able to get license due to my status. She basically did drop off and pickup at the daycare. It was tough and took a toll on our marriage. At one point she told me I have to get my own place as I had dead end job and barely making any money. My income was basically going to day care and what ever left to pay bills. Looking back maybe it she was right, but at that point I was on survival mode. I am not trying to make excuse.
After two years in the marriage with her help I was able to get my paper straightened. Got my own car took on more responsibility, solely driving the kid to and from school. I also took on certification and left for a tech job. Almost doubled my salary first year and tripled it after first year with the new employer. I feel like I am trying to make up for the wrongs I did the first years of the marriage.
As you can see there is a lot of wrongs from my side and resentment did build. We have this discussion where she clearly stated her resentment. Recently she did say it is no longer there, but I don’t think so. It is brought up every time we have arguments. Also our intimacy pretty much is non existent after the pregnancy. I understand it is common and have suggested different help and asked what should I do to help. At first it was the pregnancy, next her libido, not interested in sex and recently mentioned back in the day I had bad breath ( I had gingivitis which was treated) that is why she was not interested. On top of all this she always had bad work experience. She goes into depression and self hate. Tech is tough for women specially minority. I use to try to help ( every man learns a lesson) and told me she just wants me to listen, which I do now. But it can be a lot for both of us. In the past 6 years she might have had 5 different job in which each one of them she had issues. Some of our weekends are not enjoyable because she would be in those episodes. I personally don’t have that severe depression sometimes hard to help her while also watching the kid. The kid sometime ask and I need to explain.
I believe she is now doing online therapy. I also asked for marriage therapy/ counseling but she pushed back and also I don’t want to put pressure on her while she is getting help. But at the same time I am wondering if I need to do more to help the marriage as we are in the same cycle and nothing improves. I am reaching out if anyone had the same experience or any advice.
Tl;dr I am in a marriage where resentment had build and intimacy doesn’t exist. Need advice how to improve marriage while spouse is also dealing with her own depression and issues.
submitted by Used_Drama_7655 to marriageadvice [link] [comments]

2023.06.06 03:29 Low-Assistance1635 Carolina title work

This is kinda specific but if there are any Carolina real estate attorneys out there I would really appreciate your insight. I am still new to practice in SC but have been working about 3 years. I never got great training in title work. First firm only wanted me to do closings and second the boss was licensed in another state. Gave me some pointers but I have pretty much been trying to figure it out on my own. Problem is my firm specializes with investors. It has been necessary to work with them during the real estate slow down with rates going up. But it puts me in a difficult position. My boss wants me to sign off on any contract that we get but the title work has gotten worst with some of these properties. Some of the things I feel the investors are doing is a grey area. I don’t have a more knowledgeable person to talk to. I am worried that I will make a mistake and get a title claim against me. I have brought this to the attention of my boss but he is not concerned with my license it seems. He has a ton of money and can close up shop tomorrow and be fine but I have to work for another 20 years to repay my loans and retire. Title company reps has told me that I might not get approved in the future if I have title claims against me or work for a firm that is know for doing sketchy stuff. I feel stress everyday with each file that comes through. I don’t feel like I can go to another firm because no one is hiring right now and I can’t afford to not work. If anyone has advice I would really appreciate it. If you do title work in the Carolina’s I would like to message you if possible. Thanks for reading and I appreciate any response. Thanks
submitted by Low-Assistance1635 to Lawyertalk [link] [comments]

2023.06.06 03:28 soayherder need advice from any teachers

The school year is almost over and I want to thank my kids' teachers and support staff appropriately. Unfortunately I'm not independently wealthy so I can't do something super nice but I don't want to be so cheap that it might as well go into the trash.
All three of my kids are receiving some degree of extra support in school so there are at LEAST a dozen teachers, therapists, etc who I'd like to thank (I haven't even met all of them!). What kind of thanks would adequately convey my genuine and heartfelt appreciation which would moreover be meaningful to the recipients? I tend to do food-based gifts because at least it's not one more thing cluttering up space for any real length of time but that's hard to do without knowing people's dietary preferences or needs.
I'm guessing handmade kimbap platters probably wouldn't be a good pick (triangle rice) :P so can anyone tip me off as to what I can offer which won't cost crazy money but still get the meaning across?
submitted by soayherder to breakingmom [link] [comments]

2023.06.06 03:28 Worth_Ad7119 Wife Said She Generally Resents me

My (26m) wife (28) was being kind of rude to me tonight, just stuff like sharply saying "why aren't you washing the dishes" while I was putting food away and she was relaxing on the couch. This isn't super atypical behavior for her and we've talked about it before, but I brought up tonight that I felt she was being kind of rude and I personally think you should treat your family as well as you would a coworker and ideally a lot better...
She responded by saying "it's hard not to generally resent you" and then when I tried to have a discussion about that she basically argued that it was okay for her to resent me and it's not something for us to work on and then just ignored me after like 10 seconds of talking about it.
It's not really new. We eloped 2 years ago and right after our engagement (a month before that) she'd started having strange tantrums where she'd obsess over my exes or random things and try to link them to somehow being sleights on her. Like I was playing a song one night and she became convinced that that song (which just came up on shuffle) was about how I was in love with someone else and not her. After we got married this became like a weekly thing, and regularly end with her deciding she was going to divorce me. She was completely convinced I still had feelings for my exes and/or was cheating on her for some reason.
We fought a lot for almost a year, mostly random little things triggering her and then she would just want to look through my phone (and then get mad about stuff like making me delete pictures that had exes in them, finding old conversations with exes from when I dated them, conversations with people I'd had about an ex from years prior- both the conversation and the ex). It was really draining but I held on, I really didn't want to be divorced and I still loved her and hoped it would all get better once I was eventually exonerated.
Then she got pregnant a year ago just as we moved for her job. I was still finishing grad school at this point and she's years into her career and pretty successful. This was somewhat of a turning point for us where instead of getting triggered on a weekly basis it became more of a monthly basis where now the episodes come like once a month and maybe last a day or two. She also has mostly accepted that I'm a loyal guy who isn't talking to anyone else and never did any of the crazy stuff she accused me of... Sometimes it comes back a bit but mostly now it's about me not having a job.
Even though I was in a pretty prestigious PhD program her family always kind of shat on me for not being employed beyond my teaching stipend, and once she gave up the unfaithfulness angle she started attacking me for that. I ended up mastering out of my PhD program this spring and finished up and graduated last month, party because I wanted to focus on taking care of the baby, partly because my performance suffered the past couple years.
Anyways, for the past 8/9 months my wife has started having similar attacks to the old ones but now it's about how I'm useless, don't contribute anything good to her life, she wants a legal separation to protect her money from me because she knows she wants a divorce. And then the storm will pass and she'll say she loves me and didn't mean any of it. But also she's pretty typically just really rude to me and fairly condescending. Like it's clear I'm not someone she likes, which sucks because she's the only person I know in our new city.
So yeah I guess I'm always kind of wondering which it is, is the triggered version of her who hates me the real her or is the apologetic morning after her the real her... I feel like I kind of found out for sure tonight. It's the triggered version.
I love our daughter, and I'm glad she's here with me. My worst fear is my wife will divorce me and I won't get to see my daughter every day anymore.
I feel immense despair. I feel like I am not in a secure situation. My wife threatens to divorce me every month. I was on track to have a PhD and a career where I could definitely make 6 figures per year... now I'm a stay at home parent and it would be difficult to start a job with a 2 month old baby and an unstable home life. I feel trapped. Not because I don't want the marriage to work, but because it's not predicable and as more time passes the more reliant I become on my wife for my financial future.
I worry she'll divorce me at some point in the next few years, and I'll be left without my daughter and with a several year gap on my resume after grad school. I feel regret that I'll always either be in a situation where my wife hates me or my daughter will have to face the pain of divorced parents.
Its not like I don't want a job, I applied for hundreds of remote jobs this wintespring and got pretty far in a few interview processes before the baby came. I was hoping I could get one before the baby came and then we could afford a nanny and I would be able to supervise the nanny as I'd be at home. I got myself into a top 3 PhD program in my field. I've always had a dream life of getting a remote job after grad school. But being the primary caretaker for the baby is a big responsibility and I want to give my daughter the best care.
I consider applying for more jobs but figuring out a consistent nanny seems difficult and we're still getting used to my wife going back to work. It seems unlikely I could find a remote job and find a nanny to watch our daughter while I work, and then what if the nanny doesn't show up or we have to fire her for some reason... it makes me nervous.
Anyways... yeah I feel like I'm pretty fucked. I've really started to give up on fixing my marriage, I've given it all I've had and I'm not sure if it's any better. These issues with my wife and signs of existing before we were married and I know I was an idiot for getting married when there were unresolved issues, and I did make that a goal for my wife and I to work through before we got engaged but she kind of put pressure on me to move up the engagement/marriage dates and then once we were married I felt like that was a pretty solid commitment. I didn't consider a divorce an option. Now that we have a kid, she's my whole world- I've realized it doesn't matter what I do- my wife seems intent on divorcing me at some point and I think she'll resent me regardless. I think you get the picture by now, I'm starting to develop a sense of hopelessness.
submitted by Worth_Ad7119 to Marriage [link] [comments]

2023.06.06 03:23 claidia_uk Can a relationship with an addict and sober person work?

I’m 100% sober. I don’t drink, I don’t smoke cigarettes, i have never touched any kind of hard drug, I smoke weed every few months but I’m very strict because it’s expensive. The only thing I really do is vape.
There is a age gap. I’m 29 and he’s 22
My boyfriend on the other hand… I don’t know where to start . When he’s having a relapse Crack cocaine is his favourite I think , powder cocaine , weed is daily , and he also uses diazepam , pregabs , sometimes all on the same day 💀no idea how he’s even alive. he’s sober now but he’s in prison and he could potentially relapse at any time
He’s in prison right now so our relationship is obvioisly strained because there is limited contact. I last visited him on Friday and he looked and seemed so well , clean nice clothes (good sign that he’s not using because they can sell their clothes to prisoners) he was sober and happy
Now I just want to say I absolutely do not enable him in any way shape or form (as far as I’m aware) I have never gave him money for drugs on the outside or inside prison . I only send him £40 a month for calls. Whenever he tried to do cocaine in my house I made it clear I wasn’t happy about it. I would let him smoke weed because , I’m pro weed but hard drugs I don’t agree with. I care about him and I want the best for him so if he uses hard drugs that ruing his life I’m not supporting it.
Is there any hope for us? he is loving , he understands me , we hardly ever argue , and we like each other a lot , I have been with him a year . ☹️💔 my biggest fear is that he might die one day
submitted by claidia_uk to addiction [link] [comments]

2023.06.06 03:22 Educational-Echidna Can my pineal activate if my brain and spine aren't healthy?

I had a back injury for years and my spine hurts/is numb/parts smooshed together. I was in a car accident years ago and have a potential concussion or tbi that only has gotten worse with years. I should have seen a neurologist then but I was gaslighting myself on my symptoms and the ophthalmologist gaslit me about the damage to my eye too. And then I got chronic fatigue syndrome/fibromyalgia 5 years ago and that made me feel like I died every day since.
I feel more alive in years though due to laying on acupressure mats every day and has helped my body and brain and my consciousness slowly awaken, and I lay outside and hug a tree every day and feel the energy vividly. I'm seeing a neurologist in two days. This has been a brutal journey, doctors are hard for me to talk to and i wouldneed a lot more money to see a functional doctor. I started taking Cymbalta last week, it's supposed to be good for fibromyalgia and depression/anxiety. I have no idea what my future looks like, where i belong, not many close friends, don't feel connected with most people.
I am learning how to connect within and love myself and be my own best friend. From what little I understand, having heart and brain coherence and having my pineal on would like automatically help me out of all my internal struggles mental and physical and emotional. I do have vivid dreams of all kind of elaborate places, my memory is slowly getting better. So I know my third eye is open somewhat. I meditate and I still feel this wall and it feels like on the other side is all my true self magnificence and Source connection.
I don't have anyone to talk to about these things, thank you kindly and hope everyone is okay on their journeys
submitted by Educational-Echidna to SpiritualAwakening [link] [comments]

2023.06.06 03:22 Koechophe OPINION: The biggest thing holding DDO back is monetization

As someone who's played/dipped my toe in a lot of MMOs, DDO's monetization is honestly one of the worst and most frustrating for new players that I've ever seen, primarily because the core functions of it are to make it so new players feel both isolated and frustrated. This game does not excite you to buy things. It is not like, "Look, here's this fun thing you can do if you buy in!" It's much more "Buy in or end up face extreme annoyance.
Let's start with the obvious issue of quests. The game has a lot of decent content below level ~10. Around there, you start to hit a wall, and by the time you're level 17, you've now got 3 quests to get you all the way to 20, and getting to 30 is a total pipe dream on f2p content alone, as you've got 4 level 21 quests, and then your next quest is a level 26, then two level 28s, then a bunch of 31-32s, all of which will somehow have to account for the millions of EXP points you need.
But that's not even the biggest issue. DDO is a game with a limited playerbase that is further limited because it's stretched between several servers. The game was obviously designed to be ran in groups, with various sections quests having more or less benefit for certain types of characters.
But if you don't own the most recent expansion packs, say goodbye to grouping. Because of the 5-20 LFGs that will be available at any time, a solid 90% of them are always going to be content that f2p players don't own past level 5-6. Sure, you can say, "just bring your own group!" but MMOs are something a lot of people do so they can find new friends. The fact that paywall = well you'd better play this game alone most of the time is going to be a huge quit point for new players.
As a returning player, I own Sharn, MOTU, Gianthold, Delara's, Vale, and Sorrowdusk. Most of the time when I look for groups, my entire screen is full of "you can't play with this group because they're doing a quest you don't own"... and the only times I've ever been able to find them has been in the pay packs I already do have. For a genuinely new player who hasn't sunk tons of money into the game, grouping is pretty much out of the question once they clear things like Water Works. I'll bet most players who buy VIP would still fare badly, since it seems most of the play happens exclusively in expansion packs.
But hey, maybe a few new players are willing to deal with having to solo the entire MMO and re-grind the same 3 quests they have for four levels straight. They'll then hit another wall. Unless they are willing to spend at least a bit of money on the game, they can't actually participate in the economy. The game's platinum economy was facing a critical issue when they took money caps out--too much money was coming in, not enough was being spent. So in their infinite wisdom, the people behind monetizing the game decided that they needed to make a real-money auction house instead of the regular platinum one, basically saying "Well, if platinum economy is dying, we're just going to force you to spend money to use the new one."
This is a two-punch. Punch one: Unless you're premium, you can't participate at all, and even then, you have to buy at least a few astral shards, since you need to pay shards to post on the thing in the first place. And because platinum
Punch two: Two people have extreme advantage here--the players who've been playing forever, or the ones who don't care about dumping stupid amounts of money into the game.
So as a new player, you might be saving money, being excited that you've started earning decent amounts finally... only to realize that it's utterly useless beyond a few basic things, and that the only way for you to actually participate in the game's ALREADY stretched economy is to buy your way in. And then you realize, further, that you'd either have to pay a lot, or else buy an expansion because most of the loot anyone would care about is locked behind quests you don't have.
So not only are you going to be questing alone, you're also not going to be involved in a larger economy either.
I've seen so many posts justifying the game's blatant and obvious P2W monetization by saying that it's okay, because this game is mostly PVE and because you can earn things through favor.
First, the favor argument is so ungrounded in reality. First, aside from the initial 900 ddo point infusion you get from running 1 toon to 100 favor on each server, these points accumulate extremely slowly... and even more slowly if you haven't already bought your way in.
Let's say you farm 100 favor on each server, you'd have netted a total of 1125. Then let's say you do literally all of the f2p quests in the game on one account--dozens of hours of work, especially considering you'd have to repeat them all three times to get up to elite, as well as a lot of other repetitions and wilderness areas in order to make your way to the required levels. That's another 350 store points. That's it. total 1475. Not enough for an expansion pack--no, to afford one of those, you'd have to do all of the quests again another ~3 times, which would actually be 9 times each. Unless you TR, but that's a really bad idea since now you need way more EXP and you've still got a pitiful quest pool.
So that's just to start buying some of the quest packs... let alone, other features such as the shared bank for the account, which is both the ONLY way to transfer loot between characters, since everything and its dog is bound-to-account these days, and it's also going to cost you all the DDO points you'd save up from doing the 1st time bonuses + doing an entire run of all the f2p quests on elite.
And if I made it sound too easy... the first time bonuses only come first time, meaning it's going to be much slower from there on out.
For people on the TR hamster wheel who are either VIP or 3rd life +, the issue of opening quests normal, then hard, then elite seems like not a problem, and they can blow past quests in 3-4 minutes. For new players, those same quests might take 30-40 minutes, particularly if they're scrounging crates and optionals because of their extremely limited EXP options. Let alone, having to do that 3 times in a row, possibly more because they have to solo content they've never done before, and might die. And, as an added bonus, people on the TR wheel get such insane buffs from their numerous past lives that they are, again, able to solo things far more easily.
Meaning veteran players can earn points at an 'okay' clip, while new players, especially if they haven't bought in, earn them slower than a snail's pace.
There's an insane amount of direct power to be bought in this game, whether it's universal +8 tomes, 32-point builds (Something f2p players cannot access first life because there isn't enough favor to get them), a huge slew of in-quest boosts, etc. And universal enhancements, in particular, are such a huge source of power that f2p players have 0 access to, since you can never earn enough favor to hit one.
But beyond even directly buying power, all of the normal methods for achieving power are expedited greatly with purchases. TRs give a huge boost, and the game has literally sold "get to 20 and TR instantly!" options. Exp tomes are both expensive and a massive boost to farming speed. Bravery bonuses are basically only there for VIPers or people who already TR'd twice, as well as slayer pots which just raw make it take 3X less to get those rewards. And most every crafting has huge incentives in the store as well.
And when it comes to loot, the best loot is, of course, with the power creep in new expansions, meaning you always have to keep buying if you want the best gear. But even for decent gear, almost all of it is going to come as named drops in the chests, which you can't directly buy, but buying pots to boost the odds, buying rerolls to let you keep trying for it... all of that gives a massive edge to people willing to shell out money. Let alone, the edge that comes from being more powerful, and therefore being able to run things far quicker.
DDO seems to have the horrible habit of noticing a problem, and then fixing that problem by making you pay for the solution. Inventory management sucks worse than most every game I've ever seen, not in small part due to the gigantic stacks of random items that build into / collect into other things. DDO's solution was to make bags which are almost exclusively paid, since you can only buy one copy of the really small you can get for free. Bank space is premium-locked if you want more. Loot can only be shared between toons if you buy the privilege. Materials storage in the bank is a bought privilege as well.
DDO also noticed an issue where players are spending way too much time running around between NPCs or wildnerness areas to get anywhere, instead of questing. So we've got mounts, which help you get around... but also premium locked.
The game has several quests which are extremely difficult to solo, and probably impossible for new players. They were designed for groups. It also has quests that are often points of frustration. But the game incentivizes saga completions. So players end up frustrated as they try over and over on quests, failing them. But don't worry! you can buy your way past them in the saga too. Because again, noticed a problem and sold, rather than helped, the solution.
DDO shoves the store in your face more often than most every game I've ever seen. Every time I open up the bank, store. Every time I die in a quest, store. Every time I try to recall from the quest, store. It literally begs for money at every turn.
Most games have conveniences that they sell. But at the same time, there's a difference between something that is nice, and something that is either necessary or would require a lot of frustration in order to skip. Making your players put up with outdated, frustrating things just so that a solution can be sold is bad practice, and ends up losing customers rather than gaining money.
If you've made it through this wall of text, congratulations! But main highlights are that DDO's monetization is extremely frustrating and isolating for new players. It is my honest opinion that DDO bleeds customers because of this issue more than any other. The content give codes DO help alleviate those problems a lot... for existing players who happened to be around when they happened. But for every player that tries to join tomorrow onward, all the problems I listed out are still there, and 'favor grinding for points' is nowhere near enough to actually penetrate the wall of content you need to buy to engage with this game.
Existing players can say all they want about how new players CAN just grind past it with stupid amounts of time, or else how new players should just buy in. But the reality is, when most people hit these frustrating paywalls, the reaction is almost always going to be to quit rather than to pay up.
submitted by Koechophe to ddo [link] [comments]