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Free to Play Games on PS4

The PS4 Free to Play games library is growing quickly, and this page was created to help you find the various titles available for your PlayStation 4 system. Check back from time to time to find out what new content has been added, and enjoy playing these F2P games! Find other people to play multiplayer with or just chat about the games. Join the community on PS4: PS4F2P
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Weekly Updates and Discounts 12/22 - 12/28 or 12/29

Since PapaXan hasn't posted an update for this week's GTA Online (22 Dec)
it really is taking awhile for mods to post this weeks update out. I worry that not everyone would come onto last weeks post to find out this week's post in the comments. I've made this post so everyone could find it easier (hopefully)
Here's a list of what i've found so far,
SNOW IS BACK EVERYONE! THE MADLADS ACTUALLY DID IT
Podium Car: Progen Tyrus
New Vehicles
* based off my own game, unsure if it is also FREE if you have NOT completed the Cayo Perico Heist as a Leader (because rockstar do be like that sometimes) edit: can confirm even if you didn't complete Cayo Perico, you get it for free!
Vehicle Discounts
Property Discounts
Time Trial
RC Time Trial
Premium Race
Prime Gaming
2x Money and RP
Extras:
Sorry if I missed out on some stuff, tried my best to find out what I can to help everyone out hehe
Note:
Assuming Rockstar is now pushing out weekly updates on Tuesday's, this week's event should last until the 28th/29th December.
*Thanks for letting me know that I missed out on some stuff for this week everyone, much love and hope everyone is staying safe. Happy Holidays!
submitted by jazzeeen to gtaonline [link] [comments]

Looking back on a year of Nano development - Presented by NanoLinks

I think this list speaks for itself. Thank you for this year Nano community and see you in 2021 for even more fun! We are only getting started 🚀


u/iB0mmel
submitted by Joohansson to nanocurrency [link] [comments]

Winter Wonderland HUT Guide - for Beginners!

It’s Coooolin ! Hey there!
Are you new to HUT? About to fire it up for the first time? Here’s a guide for you! ... and tips at the verrryyyy end!!

Knowing the Menus

There’s a bunch of things to do in HUT under different categories they are ...
• HUT Central
• Solo Play
• Online
• Auction House - sets
• Team
Each of these have various things underneath them, so let’s talk about them.
HUT CENTRAL
First off we have a scroll-through menu on what new content is out.
New content; packs, and players gets released every week day at 5pm EST , unless it’s a Holiday - then we’ll get the content a day earlier.
You will see when the content is out of packs by the timer and the date on the banner shown - Winterinternational Players released Monday were a week long to pull.
We will see new events come into HUT bi-weekly. This event ends soon, so we will see a new Event next Friday at 5pm EST.
Team of the Weeks are Wednesdays at 5pm EST. Available for the Week.
HUT RUSH
What else is there on HUT Central? You can go directly to HUT RUSH game mode by going to the banner using the left stick, highlighting it and clicking “X” or “A”.
HUT Rush is 2 game modes , normally one is Traditional Hockey gamestyle, and other is Arcade Hockey gamestyle with “moneypuck” attached.
Play games, win, get points, rank up in tiers. Get rewards - instantly. You can net 18.5k in coins, and 2 and a half gold collectables normally — or 100 Gold Players for 3 Gold Collectables, once. — willl talk about later. This is a limited time set, ending Tuesday @5pm EST.
Objectives / Milestones
You will also be available to see what Objectives / Milestones are close to completion. Click on this, and you will be shown the “Daily” Objectives. If you do all these, you get a Monthly Collectable, and 1,250 coins for the day.
Weekly Objectives are the same thing, finish all those up within a weeks time (Friday at 5pm EST - Friday at 5pm EST) and get a cool 5k, plus an Untradable Premium Pack - worth 7,500 coins.
Milestones have infinite time, do those for coins, players, packs. Do them all? Get yourself an Icon or Gold Collectable. — I’ll talk about these later.

Solo Play

Under Solo Play there is Squad Battles , and Challenges.
What is Squad Battles?
Squad Battles is playing your team against the A.I. for points. The higher difficulty; rookie, semi-pro, pro, all-star, superstar - and opponents OVR - i.e., 77 or 88 - the more points you can obtain. To get max points, score 5 goals, and have 20 shots on net. Points will increase as more people play, and get updated weekday, 5pm EST. The more games you play, and win the higher the rank you will get. Aim for at least Pro 2 , which is 4-5 games.** Squad Battles resets on Wednesday - 5pm EST and you will receive your rewards on Thursday at 5pm EST. —- some people still don’t know this, so have that memorized and you’ll know more than some people.
Squad Battles affects your win-loss ratio, and Players Stats
Squad Battles rewards you in Tradable Packs, Coins, and HUT Sweats CHAMPS points
Challenges
Challenges are a great way to earn a coin stack, and receive free packs - usually earned at the second last - last challenge in the “Event Challenges”. You will also receive Monthly Collectables throughout doing the Event Challenges.
If you opt not to do these Event Challenges, there are “offline” challenges to do - Starting at Rookie, and ending in Superstar you can net a free 200k for doing them all!! It is time consuming, but it’s 200k worth!
Challenge Coin Tiered

Online

Rivals Mode
What is Rivals?
Rivals is playing against people online. PS+ or Xbox Membership is required in order to play online.
Play your first 5 games, get entered into a Division.
Do well - win lots in a row, and you’ll be able to go up in Divisions. This gives yourself better, and bigger rewards. Want to get those rewards in a higher tier, but you’re afraid you’ll lose the division? Hold off, and don’t play. Rivals resets Tuesdays at 5pm EST, Rewards available Wednesday at 5pm EST.
Each game gives you points, as well. You get more points winning than losing, duh. More points will net you better rewards for the week. I normally just aim for Gold.
You can choose from Tradable packs, Untradable packs (2 times the amount as tradable) or coins.
Play a friend
You can play your friend in HUT. They will obviously use their HUT team, and you’ll use yours. You can use expired loan players in this. Make up your own rules, and have fun!

Auction House

Buy players, jerseys, logos, coaches, arenas, cellys, jersey numbers, goalie masks in the Auction House. You can also sell your own, as well. Simply click on the “Auction House” . You can change the category by clicking “X/A” and scroll over to your designated category you want to buy. - Also filter out the things if you want a specific player, or event.
You will have the option to click down and sell players, view them in the next tab and see how much time is left, and also see what price they go for at the very end at the “Sell Transactions” - it will show you what you’ve sold, and by clicking “R2/RT” you will have a timestamp, going back a week, month, year, or all-time. Clicking “L2/LT” you will see your sold items, and expired items — if they didnt sell they’ll go here.
• Since you are new?? There is a “Market Crash” happening right now. Load yourself up with “Base” 84+ cards for cheap - Mackinnon, Kane, McDavid - best Base player - Hedman, Vasilevskiy, etc., —- Tall goalies are “meta” , as well as “speedy” players. —
I would also suggest buying TOTW Players, they will rebound in price.
Sets
Do your re-rolls what even is a “re-roll” ? A reroll is trading in 8 of a specific “level” to 2 of the “next level” players. For example 8 Bronze Players to 2 Silver Players. 8 Silver Players to 2 Gold Players. Lastly, we have 8 Gold Players to 2 Gold Players with one being an 80+ Player. I would not suggest doing the Gold -> Gold reroll
You can also trade in Monthly Collectables you get from the Daily login for a Free Gold Collect / Icon. This costs 30 Monthly Collectables. You can also get packs, or a 80-82 player. You can get 2 per day - Daily Pack you get every 24hrs, plus doing the Daily Challenges.
When a player gets 50 Gold Players, you can lock those into a Gold or Icon Collectable. Each will help your team in various ways, lets look at it.
There is a set right now under “Winterinternational” where you trade in 100 Gold Players to 3 Gold Collectables, I highly suggest this, especially as a new player - redeemable twice
—- The Winterinternational Collectables from the Event Challenges gives you a free Gold Collectable or helps with building a 91/92 random player, or specific player. For the free Gold Collectable you need 21 Winterinternational Collectables. —
Icon Collectable - Untradable Master Icons. 1 Icon Collectable is an 85 Master Icon. There’s 84-89 OVR Master Icons available. Each one requires more and more Icon Collectables.
—- Master Icons will eventually go to 99 OVR. Will require more Icons. Lower OVR Icons will need more Icons to get to Max OVR - 99. Higher Icons - Gretz / Lem. will require less.
To get Lemieux / Gretzy it is 7? Icon Collectables.
Gold Collectables - Tradable / Untradable Event Master Set Players (MsPs). Less Gold Collectables will net you an Untradable MSP , More Gold Collectables will net you a Tradable MSP. You can also get yourself specific 92 MsPs this event by doing their tasks. — They are Untradable. —
Normally I go Tradable, and sell them for more coins. This allows you to build your favourite team the fastest.

Team

Store
Also under this is “Store” . Right now until Tuesday at 5pm EST you can get a free 90 OVR player! What a great way to start! Just pick your favourite one - THERE IS NO WRONG CHOICE!!
Seriously grinds my gears seeing a post “what 90 is the best” “who should I choose?” It is YOUR GAME! What works for others , may not work for you. Pick YOUR FAVOURITE!
Base & Premium Packs are always there. Base packs are 5k coins, Premium Packs are 7.5k coins. Every other weekday we will see a new pack enter the store. New Events bring more packs, containing specific stuff. One guarantees a Gold Collectable, and a Winterinternational Player. Since Boxing Day is today, there are packs out for it!! These packs end on Monday at 5pm EST.
A player can also buy packs by purchasing “points” to purchase points, click the Triangle or Y button in the store.
To see how much a pack is in “points” it is the Green Circle “Pucks” besides the coins. Currently the guaranteed Winterinternational and Gold Collectable pack is $25.
Team
Change your team players, lineups, goalies, coaches, add better players, etc.,
You can change your strategies by going to “Manage Lineups” and “Strategies”.
Also there is the “Settings” to fix your camera, puck size, visual / audio, and controls.
—- My Collection —
Click on this, see every possible card you will be able to buy, and collect. Click “Triangle” to view all your players, jerseys, arenas, etc.,

Free Beginning Tips

My hints?
———————-
This is my HUT Guide to you, new HUT player, or Old HUT Player reading this for fun.
I hope you enjoy HUT.
If you get frustrated or run down? I would suggest playing a different game-mode, game, or simply taking a break from the gaming system in general. That way you will be fired up to play again, and have fun!
See you guys when new content gets released for another post!
Comment down anything a new player would need to know to get their game started, and tips!
• Coolin Killin It
(Life is like a puzzle, you just have to find the right piece.)
submitted by coolin68 to NHLHUT [link] [comments]

Ultimate Casino Cashback Guide - Earn over £500 - Every Offer Explained!

This guide aims to outline all of the best gambling cashback offers available over a range of sites, following this guide you should be able to make over £500 in cashback
Note - Cashback often takes a while to payout, bear this in mind when completing offers as you may have to wait to cashout your earnings
When completing these offers don't chase any loses as the cashback will give you a profit with nerly every offer
A short review of each site and some referral links
Topcashback - Cashback will show as tracked within a few days, can take a few weeks to become payable, in some cases even longer, asides from gambling they have great offers for car insurance and mobile phone contracts, worth taking a look to save some extra money!
Ref - Extra £5 when you make £10 cashback
Non-Ref - No reward
Quidco - Much the same as Topcashback
Ref
Non-Ref
Minimum payment - £10
Ohmydosh - Faster Payouts but less offers
Ref - Extra £1
Non-Ref - No reward
Minimum payout - Any
Cashback Earners - A lesser known site in need of a fresh look, this site also has some bad reviews, referal income is paid to the site on a monthly basis with the dates for each site being different, offers don't seem to show as tracked until the website receive their payment, cashback should appear in your account within 1 month of completing an offer. Cashout amounts are specific, its best to build up a balance and then withdraw. Payment takes around 3 weeks.
Ref - Sign up bonus £6.5
Non-Ref - Sign up bonus £6.5
Minimum payout is £20
Payment Proof - Payments for all sites can be seen here, quidco isn't shown as i have signed up for all the casinos on offer through topcashback

How to Maximize Profit - IMPORTANT - READ THIS

For the majority of these offers you want to play blackjack following the chart found here
Any blackjack game will do, look for a normal version of the game at the site you are playing on and make sure it is a non live game as the hand sizes will be lower.
When playing blackjack there will often be more than one spot that you can bet on, allowing the player to bet more than one hand at a time, Its important to only bet on one spot at a time as it reduces the variance of the game and will ensure you get the maximum return possible from the game, stick to £1 hand sizes when playing and dont be tempted to bet larger amounts as you will be getting a nice amount of cashback from every offer
Through playing blackjack this way the player will get a return of around 98%, meaning for every £100 staked you will lose around £2. If you make a loss on a casino site after completing the required wagering amount, withdraw your remaining balance, don't chase loses as the cashback will make up for loses and give you a profit in most cases.
All offers are updated fairly regularly, make sure to check the terms for each offer as information in this post may become outdated. Also check for other offers every now and then as new casinos are added!

TopCashBack Offers - £400+ Profit

Topcashback Referral - Get an extra £5 - See the Ref Link at the top of the page!
If you dont already have an account at top cashback, you can sign up through my referral to get an extra £5 added to you account once you make £10 cashback
Lottoland - Cashback £15
Add £11 and play 11 separate £1 hands, following the strategy outlined at the top of the post, withdraw any remaining balance.
Betfair Casino - Cashback £70
Note this is not the poker offer
Add £50 to your account and play 50 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Quidco are offering £100 for this offer
Party Casino - Cashback £26.5
Deposit and play 30 single £1 hand son blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Tombola - Cashback £24.5
Deposit £10 and open the tombola roulette game, choose a £1 chip size and choose 5 spots, repeat this twice, withdraw any remaining balance, you will likely lose money here but the cashback will give you a profit
Coral - Cashback £46
Add £10 and play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Bingoport - Cashback £3
Sign up to bingoport to get an easy £3
Ladbrokes - Cashback £42
Add £10 to your account and play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Pokerstars - Cashback £32
Add £25 and play 25 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
STS - Cashback £21
Add £30 to your account and play 30 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
William Hill - Cashback £54
add £25 and play 25 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Megacasino - £15.75
Add £25 - Play 25 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
LottoGo - Cashback £3.18
Buy a euromillions ticket
Slingo - Cashback £24.75
Add £10 play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
PaddyPower Games - Cashback £20
Add £10 play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
The Football Pools - Cashback £24.75
Sign up for the £10 a month subscription, cancel this after 30 days
Lottomart - Cashback £18
Add £10 - Play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Genting Slots - Cashback £25
Add £30 play 30 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
OhMyDosh - Cashback £40+
Referral gives an extra £1, sign up through the ref link at the top of the post to get the bonus!
Gala Bingo - Cashback £17.50
Deposit at least £5, you'll get a £10 slots bonus and 100 free spins, these carry hefty wagering requirements, Open any slot and play the minimum spin size, play until you lose all of the money in your account or complete the wagering requirements on the bonus funds. Withdraw any remaining balance.
BGO - £10 Cashback
Deposit at least £15. Play 15 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance. DONT ACCEPT the welcome bonus from BGO.
Lottosocial - Cashback £4
Sign up to Lotto Social - Use your correct phone number when joining as it is the only way to login to your account. Purchase 10 lines for £1, after making a purchase go to your account page and find the list of syndicates your are in, leave the syndicates to avoid making any more payments.
Cheeky Bingo - £10 Cashback
Deposit £10 and get a £40 welcome bonus, just play bingo with all of your funds and hope to get some wins, bonus has 4x wagering requirements.

Quidco - Cashback £100+

Quidco don't offer a sign up bonus, find my ref link at the top of the post if you want to help me out!
All of the offers on quidco are much the same as topcashback, the only offer worth noting is the betfair casino offer which pays £100
Betfair - £100 cashback
Add £100 and play 100 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.

Cashbackearners - Cashback £180+

Sign up Bonus
Get a £6.5 sign up bonus, think this works with or without the ref link, links are at the top of the post!
To find these offers just search for casino on the site.
All of these offers state that you only need to make a deposit, its best to play through the deposit 1x to ensure that the cashback is paid.
LuckyMeSlots - Cashback £15
Add £15 and play 15 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Spin Genie - Cashback £12.5
Add £12.5 and play 12.5 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Cashmo - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Don't spin the wheel that pops up after signing up or accept any other bonuses.
Ice36 -Cashback £15
Add £15 and play 15 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Spinhill Casino - Cashback £15
Add £15 and play 15 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Galacasino - Cashback £30
add £30 and play 30 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Casino765 - Cashback £12.5
Add £12.5 and play 12.5 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Casinosuperwins - Not recommended, bad site, awful support
Casino2020 - Cashback £15
Add £15 and play through £15 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
Pocketwin - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
The Sun Vegas - Cashback £15
Add £15 and play 15 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
DrSlot - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
MrSpin - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
PrimeCasino - Cashback £15
Add £15 and play 15 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
ConquestAdor - Cashback £10
Add £10 play 10 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
MFortune - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
Thanks for reading, hope this of use to some people, happy earning!
submitted by Leth96 to beermoneyuk [link] [comments]

I am 36 years old, make $66,900, live in Portland OR and work as a Data Coordinator.

Section Zero: Background
Hello all, happy hoildays! I stumbled upon this subreddit not long ago and have enjoyed the commentary and experiences everyone's shared. Wanted to add another perspective from a mid-30s first-gen American. I've had some missteps regarding careers and finances, but I feel like I'm in a slightly better place now. I tried YNAB in the past but I wasn't consistent enough with it. These days I use Mint to monitor my finances and have a "Finance Friday" each month to review all my accounts and spending. I currently live with my partner TJ and his dog RR. We do not combine finances, but he has been unemployed since March. I have helped him with some bills and basic necessities here and there until he finds his next job or career.
My current financial goals are to just maintain a status quo and not get any debt until pandemic times are over. Then I will focus on a house remodeling fund and savings for taking care of my parents.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? My parents taught us about money from a frugal perspective. They are immigrants who worked in food service/factories. There was always this “save save save” mentality. Even when they started their own small business, we saved like there was no tomorrow. In high school, my calculus teacher bought us all “The Millionaire Next Door” book and had us read it as an assignment - that was my first structured introduction to finances.
Did you worry about money growing up? No, there was always food on the table and a roof over our heads. I knew that our extended family would support us if needed.
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Yes. My dad didn’t finish the high school-equivalent in their country, while my mom did finish high school, but no college. My older and younger siblings took a different path in life after high school. I am the first and only in my family to graduate from college. My parents covered all tuition for my two bachelor degrees with the agreement that I support them fully during their retirement and send them gifts/extra money whenever I can. I feel very lucky and privileged that they were able to provide that education for me.
At what age did you become financially responsible for yourself and do you have a financial safety net? 24 when I went on a work holiday abroad. My family was always available to help when needed, but the experience abroad helped me stand on my own feet. As an adult, I also inherited that “save” mentality and put a lot of my earnings towards savings. I didn’t date until my 30s, lived frugally, didn’t go out to eat/hangout with people, shopped thrift stores, and had very few hobbies. I am starting to “live a little” now though.
Do you or have you ever received passive or inherited income? Aside from the tuition, my parents have helped with a down payment for my first house and living costs during periods of unemployment.

Section One: Assets and Debt
Retirement Balance
If the place I was working at offered a 401k, I would always contribute up to the company match. I started my IRA in my mid-20s and would try to contribute the yearly max. I've stopped that the past 2-3 years though. My Other Brokerage is some play money, but I got tired of staring it and switched to index funds. I haven't contributed anything to it in a few years.
Equity if you're a homeowner
Purchased my first home for $382,000 with 20% down, right before lockdown earlier this year. Perfect timing, right?? I plan to live here until my retirement. My parents contributed $15k while I used most of my savings for the rest.
Savings account balance: $3,073
Checking account balance: $7,800
Credit card debt: I charge everything on my credit card for the points, then pay it off each month using my checking account balance.
Student loan debt: Traditionally no student loan debt as mentioned in Section Zero.

Section Two: Income
Income Progression (listed as gross income with cost of living area):
High School
College and first “career” job
Mental health break
College (again) and second “career” job
Third “career” jobs

Main Job Monthly Take Home:
Monthly Net (paid bi-weekly): $2,758
Deductions:
Side Gig Monthly Take Home:
No side gigs at the moment, but I am thinking of signing up on Upwork.com and doing Excel/data entry projects to help pay the mortgage.
Other Income: TJ’s friend will be staying with us for a month in January, who will pay rent of $800 including utilities. Depending on how that goes, we may take on a roommate in the spare bedroom long-term.

Section Three: Expenses
Mortgage - when I bought the house, the plan was that I would charge TJ a portion of the mortgage costs as “rent”, but since his unemployment I am now covering it all myself.
Regular Monthly Payment: $1677.57
HOA: $30/year
Retirement contribution: Nothing additional than what's been mentioned.
Savings contribution: I used to do $50-100/month, but since COVID I’ve stopped contributing to my savings account.
Investment contribution: None at this time.
Debt payments: $100/month towards TJ's credit card balance of $2,307.
Donations: $10-20/month, usually towards Omaze or Planned Parenthood.
Utilities:
Cellphone: On my parents plan.
Subscriptions:
Gym membership: Pre-COVID I did Orangetheory for a year. I started to pick up free exercise equipment from Craigslist this year, so we have a small garage gym now and utilize YouTube exercise videos instead.
Pet expenses: $10/month. TJ has stockpiled some Costco canned dog food before unemployment, but once that runs out I will likely cover the costs. We also started to make homemade dog food to help supplement.
Car insurance: $460 every 6 months. Car is paid off.
Regular therapy: I will start in the new year. Not sure what the costs are yet, but I will use my HSA to pay.
Vitamins/Medications: $20/month
Groceries & household items: $75/month
Miscellaneous (eating out, house purchases, gifts, etc): $100/month

Section Four: Money Diary
Monday
6:30am Neighbor starts up their truck. We joke that it's our natural alarm clock. They idle for about 15 minutes before heading off. I go back to bed.
9am My real alarm goes off. I put the electric kettle on for some morning tea. While it's boiling, I do my morning routine: drink glass of water, take synthroid, use bathroom, brush teeth, quick shower. I then make tea - Jasmine Pearl English Breakfast with dark forest mix. I started ordering loose leaf tea in large amounts back in March instead of small bags or single serving packets. Seems more economical since I drink it daily. I let the dog out into the backyard so he can do his morning routine.
9:30am I go through my daily tasks for work. They entail checking processes and reports to make sure they ran successfully overnight. I then answer some emails and catch-up on Slack channels.
12pm Lunch is leftover roast chicken and quinoa from Saturday. I heat it up in the instant pot. Love that thing! Almost every meal of ours involves the instant pot. We hardly use the stovetop. We then walk the dog to the business park across from our neighborhood. There's a very short trail that runs along a drainage creek by the business park. It's quite muddy, but has a nice woodsy feeling. Over the summer, we saw sumac trees there as well. Free sumac spice!
1:30pm Department meeting on Zoom. Our director announces his resignation on the call. Everyone is shocked! Layoffs were announced for next year but this was not a part of it. I think it's a good move for him and he doesn't have to have this worry of layoffs over his head.
3pm I meet with an engineer from another team and talk about a data source they are in charge of. He helps me out in understanding it and we identify most of the fields that I need for a project I’m starting.
5:30pm I check in with my partner. He's been watching LinkedIn tutorials on internal recruiting, job coaching and general computeoffice skills. It's a career change that he wants to make - something where he can talk to and help people. He doesn't have a bachelor's, only an associates, and hopes these tutorials will get him a leg up in the job search. I sent him some entry level HR admin roles the other day and remind him to apply. I then heat up leftovers: homemade chana masala and rice. I add some butter and coconut milk to thin it out, so there's enough for both of us.
10:30pm I take some magnesium, vitamin D and Airborne. I say goodnight to the dog who sleeps in the office. Then I say goodnight to TJ. He sleeps in the spare bedroom on weeknights due to his snoring keeping me up. I'm a light sleeper while he is a pretty deep sleeper.
Daily total: $0
Tuesday
9am I check Reddit Secret Santa. My match seems like a really good person. Not sure what to get, but most likely will purchase something off their wishlist. I wish I was more creative with my gift giving.
11am Meeting with business stakeholder. She submitted a few changes to an existing data process about a month ago. I make the change while on the call and have her test. Success! Marking it off the todo list. I love when we can finish things directly on a call.
12:30pm I come out of my office to make lunch. I notice my partner is not home. I check my messages and see that he's stepped out to pick up a few things. I ask for celery, carrots, and kombucha. $17. I make a quick charcuterie board for lunch: Costco salami, cheese, homemade hummus and Triscuits. It's a simple, fast meal that’s always in our rotation.
2pm My partner is back and we take the dog out for a walk and quick round of disc golf at a nearby park. We mask up and play only a few holes. Disc golf is a pretty frugal activity, you only need 2-3 discs to get started. TJ remarks that my throws are getting better, but then again they weren't great to start with. We talk about Christmas/Birthday gifts on the way back home since he was born on New Years Day. He mentioned snowshoeing but asked to not spend that much. I'll do some research!
5pm I think about personal career projects. Should I put up a portfolio of projects somewhere? I decide to try and pull some Yelp data. There’s not a lot of data points that I was interested in. Regardless, I tinker with it for an hour. TJ asks if I'm hungry. I said not so much, but felt thirsty. Maybe some ginger soup tonight?
7:30pm Dinner is served - ginger carrot soup made in the instant pot. We eat some rice crackers with it. Lately I feel like we've been eating more vegetarian dinners. It definitely helps stretch our food budget. We end the evening by finishing Fargo season 3 on Hulu.
Daily total: $17
Wednesday
1:30am I'm woken up by the dog. He's been sneezing a lot and wheezes at random intervals. TJ doesn't have the money for a vet visit but I've offered to pay as long as he calls to make the appointment. I give the dog some coconut oil, rub his belly until he seems better and go back to bed.
7am Garbage day. We usually put it out the night before but I forgot. I get up to go, but TJ handles it. I think, at least. I'm too sleepy to pay attention and go back to bed.
9am I wake up and rinse some dishes that have piled up and put them into the dishwasher. We both grew up in households that had a home dishwasher, but forbade from using it. It was drilled into us that hand washing saves more water, unless you had a restaurant/industrial dishwasher. I think with modern home dishwashers, that's changed, so I wanted to try it out with our dishwasher and monitor the water bill. Don't have any dishwashing pods or powder, so I put some OxiClean in it.
12:30pm I overhear TJ on a call with a recruiting agency. It seems to be going well, lots of laughing. I heat up some taco lasagna that I freezer meal-prepped last month.
2pm Collaborate on a project at work with an engineer. My manager put me on this project since I was asking for an assignment on a more technical team. I'm learning tidbits here and there, but I don't feel like it's structured enough.
5pm I do an Orangetheory-At-Home workout and try to break a sweat. It's not the same as going to their studio.
6pm Charcuterie for dinner. Our fridge is full of store-bought and homemade pickles that go super well on a charcuterie board.
Daily total: $0
Thursday
7am I wake up tired. The house has been feeling more cold, which woke me up a few times. We keep the temp at 72F during the day, at night around 68F since we thought the bedrooms keep the heat in pretty well. My mistake!
9am I do my usual morning routine and login to work. My team mostly spends the morning sending each other emojis.
11:30am Lunch today is mini quiche, frozen chicken and veggie entree, and hot dogs. Not the most cohesive meal, but it fills the belly.
12:30pm TJ heads out to his mailbox that's 30 minutes away. He is still waiting on his tax return and a 401k withdrawal. His taxes had to be filed by mail for some reason, then the IRS office shut down due to COVID. So he wanted to see if it arrived yet at the mailbox. He also takes the dog to the vet's urgent care on his way. They didn't have any regular openings available until the end of the year, and the dog seemed to be getting worse. I give TJ $40 to mail a gift package to a friend in France and also reiterate that I'll cover the vet bill when he gets it.
4:30pm I pay some bills, my favorite activity (not)! Sewer bill: $59.44 (billed every 2 months). Geico bill: $459.60 billed every 6 months. Then I follow up with my mortgage officer over email. I had sent her some documents for a refinance quote last week, but haven't heard back. Rates keep dropping, so I'm told, but what does that really mean? I do some research on realestate.
5pm TJ messages me and says he'll be back for dinner. I ask him to pick up some Popeyes via drive thru since we both don't feel like cooking today. Popeyes is currently our fancy “going out to eat” food. $24.17 for a 4pc dinner meal and a 2pc dinner meal.
Daily total: $583.21
Friday
8:30am Busy morning at work. My phone is buzzing with emails and Slack messages. I try to answer them while I make tea.
10am Zoom Department happy hour. We reminisce about our director and then play those Jackbox party games. Some of them are hard!
11am TJ asks if he can make me anything for lunch. He suggests savory oatmeal, quick and easy. I tell him that I really appreciate him making meals/doing chores/etc without me prompting. We've been having conversations about "house project management" and mental load because I did most of the chores or I had to continually remind/tell him to do it. I'm really happy to see us progress on this front. I decide to work through my lunch break so I can end the day early. I don't often do that, but I'm ready to get the weekend started.
2pm I check on TJ in the spare bedroom and ask if the dog has been fed yet, since he was nipping at my feet. I notice something off about TJ and ask how he is doing. TJ is depressed about his personal life, career, finances. He doesn't know what to do, spends half the day meditating and reflecting on past trauma. I've been prodding him to get a therapist but he is confused about his insurance. He makes an appointment with a primary care doctor first. I feed the dog some homemade dog-friendly beef stew.
4pm My mom swings by the house (but doesn't enter). She currently works at a school who distributes free USDA food boxes since March. There's often many boxes leftover that would go to waste, so she will grab a box for us. Onions, potatoes, beets, turnips, eggs, cheese, butter, frozen veggies and frozen chicken. She also brought her vintage pasta maker. I asked last week if she ever used it these days and her reply was “no, feel free to have it”. I love pasta and noodles and figure it would be great to make it ourselves as a frugal hobby.
8pm We catch up on Mandalorian and watch silly Youtube videos before heading off to bed.
Daily total: $0
Saturday
9am I open up my web browser and look at Craigslist and NextDoor for free stuff. I've been scouring for free landscape rocks, pegboards, and wood for house projects. I had this grand ambition to redesign our backyard. It faces our neighbor and currently the fence is pretty low. They can see into our kitchen and bedroom and we can see them. But y'know, COVID and going from dual income house to single income means it all has to be put on hold. So I've been looking for free items in the meantime. Over the past months, I've gotten planter pots, plant cuttings, a raised bed, stepping stones, all from free listings. I don't see anything worthwhile so I go and make some tea.
11am I look at Amazon and make some purchases for Reddit Secret Santa. A foodie kit, DVD of their favorite movie, and some cute pens for their writing hobby. $54. I hope they like it!
12pm TJ heats up leftover stir-fry for lunch for us. I put on some Binging with Babish and we watch how to make pasta. We have a plan - TJ makes the pasta, I make the sauce. Perfect date night activity at home. We watch some more videos on pasta and noodles to educate ourselves.
4pm I start prepping veggies. Big batch of onions, canned tomatoes, ground beef and butter in the instant pot. Meanwhile, TJ works on the pasta by following Babish's instructions.
7pm We gorge on fresh made pasta and bolognese sauce. It's so good! We end up watching Fargo.
11pm Usually I'll be in bed by now, but it's a Saturday and not tired yet (probably because of all that pasta). We play some Kirby's Dream Course on the Switch.
Daily total: $54
Sunday
10am Quick walk around the neighborhood with the dog. He's on a new routine now with the medicine he's taking. It seems to be helping his breathing issues.
11am The pasta maker and flour is still out since we didn't clean up yesterday. There's some old pie crust in the fridge so I roll it out with the pasta machine for mini quiches. (Sally's Baking Addiction blog is my go-to place for her all-butter crust and quiche recipes btw). TJ helps by mixing up the eggs.
3pm I play some Genshin Impact (GI) on my phone while TJ plays Starcraft in the office. I don't usually play gacha games, but the Zelda BotW-style of GI appealed to me. A gacha game is a game with randomized characteitem boxes that you use real-money to purchase a “pull” or to spin the wheel. I know the gacha parts of the game can be a real money sink if you get addicted to them, it’s almost like gambling. My main team is Fischl, Bennett, Barbara and Noelle. I level up to AR 22 and look up free-to-play tutorials for the game.
6pm There's some leftover pasta from yesterday, enough for both of us. I throw in some roasted beets to round out the meal. We watch more Fargo while eating. Almost done with Season 3!
10pm I find a tour operator who offers a small, socially-distant snowshoeing tour up on the mountain. I reserve for two people - this will be TJ's Christmas/birthday gift. $75. Off to bed for another workday.
Daily total: $75
Weekly Total: $689.79
Section Five: Reflections
Aside from the car insurance bill, this was a typical week for me, COVID or not. We make the majority of our meals at home and usually splurge on drive-thru/delivery once every other week. I may have overspent on the Secret Santa gift, but I don't often give gifts out to friends. It's not something our family does either. For TJ’s Christmas/birthday gift, we usually talk upfront about costs. I’ve gifted him fancy restaurant experiences the past 2 years, since we can share that experience, but obviously can’t do that now. Snowshoeing is a nice change of pace.
The conversations with TJ this week have given me thought on how to approach him differently about finances and working together in a relationship. I’m still unsure about the future financially, particularly as my parents near retirement age and that TJ has pulled out his 401k to pay his debts. I don't know if I can support both my parents and TJ together, so I am finding ways to upskill and/or side hustles without becoming a workaholic or bogged down by stress.
Writing this money diary was also the first time where I really paid attention to my past income and current income. I might be contributing too much into ESPP that could go towards the 401k or mortgage instead? I also seem to have been underpaid for what I did in past jobs, even in a LCOL area.
submitted by throwaway_md_182481 to MoneyDiariesACTIVE [link] [comments]

Civrealms [SMP]{Nationalism}{RealisticBiomes}{PrisonPearl}{NoResets}{1.12.2-1.16.x}

IP: civrealms.net - 1.12.2 - 1.16.x (server uses ViaVersion)
CivRealms is designed to encourage player cooperation, to build their own civilizations from the ground up. Players form their own nations, enforce their own rules, and are responsible for protecting what they've made. Many glorious cities have been built, and expansion zones are added instead of resetting the server.
Playing as a hermit is an extra challenge compared to other Survival servers. You can't make a boat without several factories, but you can use /ott for a one-time teleport to join a group :)
Benefits of a nation:
Shared history and experience
Easily repel or capture random griefers
Build and protect a secure vault, or negotiate your release if you've lost a fight
Ready access to the Aqua Nether mining dimension
Players have made several videos to celebrate their time on CivRealms:
https://www.reddit.com/CivRealms/comments/ij2vnj/zack_snyders_civrealms_traile
https://www.reddit.com/CivRealms/comments/gy0xij/not_to_worry_we_are_still_flying_half_a_ship/
https://www.reddit.com/CivRealms/comments/imbnzq/tribute_to_bobanga/
https://www.reddit.com/CivRealms/comments/gw4lki/goodbye_invader_goodbye_savaguard/
https://www.reddit.com/CivRealms/comments/h773ma/top_casino/
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
SERVER IP - CIVREALMS.NET- Version 1.12.2 (1.16.x login compatible)
Discord Server: https://discord.gg/civuniverse
Over 1 year of player lore recorded in the Wiki: https://civrealms.miraheze.org/wiki/Main_Page
Server Rules: https://www.reddit.com/CivRealms/wiki/rules
World Map: https://civrealmsmap.github.io/
submitted by Curdled-choccy-milk to mcservers [link] [comments]

SSO server in rails, is there any gems?

Actually, I'm looking for a way to make my app the SSO server and users will be able to login to other services I made with a single account.
submitted by Haghiri75 to rails [link] [comments]

Link Alternatif SBOBET Terbaru 2021


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submitted by linkalternatifsbobet to u/linkalternatifsbobet [link] [comments]

Livechat SBOBET 24 Jam

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submitted by linkalternatifsbobet to u/linkalternatifsbobet [link] [comments]

Ultimate Casino Cashback Guide - Earn over £500 - UK ONLY

This guide aims to outline all of the best gambling cashback offers available over a range of sites, following this guide you should be able to make over £500 in cashback
Note - Cashback often takes a while to payout, bear this in mind when completing offers as you may have to wait to cashout your earnings
When completing these offers don't chase any loses as the cashback will give you a profit with nerly every offer
A short review of each site and some referral links
Topcashback - Cashback will show as tracked within a few days, can take a few weeks to become payable, in some cases even longer, asides from gambling they have great offers for car insurance and mobile phone contracts, worth taking a look to save some extra money!
Ref - Extra £5 when you make £10 cashback
Non-Ref - No reward
Quidco - Much the same as Topcashback
Ref
Non-Ref
Minimum payment - £10
Ohmydosh - Faster Payouts but less offers
Ref - Extra £1
Non-Ref - No reward
Minimum payout - Any
Cashback Earners - A lesser known site in need of a fresh look, this site also has some bad reviews, referal income is paid to the site on a monthly basis with the dates for each site being different, offers don't seem to show as tracked until the website receive their payment, cashback should appear in your account within 1 month of completing an offer. Cashout amounts are specific, its best to build up a balance and then withdraw. Payment takes around 3 weeks.
Ref - Sign up bonus £6.5
Non-Ref - Sign up bonus £6.5
Minimum payout is £20
Payment Proof - Payments for all sites can be seen here, quidco isn't shown as i have signed up for all the casinos on offer through topcashback
How to Maximize Profit - IMPORTANT - READ THIS
For the majority of these offers you want to play blackjack following the chart found here
Any blackjack game will do, look for a normal version of the game at the site you are playing on and make sure it is a non live game as the hand sizes will be lower.
When playing blackjack there will often be more than one spot that you can bet on, allowing the player to bet more than one hand at a time, Its important to only bet on one spot at a time as it reduces the variance of the game and will ensure you get the maximum return possible from the game, stick to £1 hand sizes when playing and dont be tempted to bet larger amounts as you will be getting a nice amount of cashback from every offer
Through playing blackjack this way the player will get a return of around 98%, meaning for every £100 staked you will lose around £2. If you make a loss on a casino site after completing the required wagering amount, withdraw your remaining balance, don't chase loses as the cashback will make up for loses and give you a profit in most cases.
All offers are updated fairly regularly, make sure to check the terms for each offer as information in this post may become outdated. Also check for other offers every now and then as new casinos are added!

TopCashBack Offers - £400+ Profit

Topcashback Referral - Get an extra £5 - See the Ref Link at the top of the page!
If you dont already have an account at top cashback, you can sign up through my referral to get an extra £5 added to you account once you make £10 cashback
Lottoland - Cashback £15
Add £11 and play 11 separate £1 hands, following the strategy outlined at the top of the post, withdraw any remaining balance.
Betfair Casino - Cashback £70
Note this is not the poker offer
Add £50 to your account and play 50 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Quidco are offering £100 for this offer
Party Casino - Cashback £26.5
Deposit and play 30 single £1 hand son blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Tombola - Cashback £24.5
Deposit £10 and open the tombola roulette game, choose a £1 chip size and choose 5 spots, repeat this twice, withdraw any remaining balance, you will likely lose money here but the cashback will give you a profit
Coral - Cashback £46
Add £10 and play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Bingoport - Cashback £3
Sign up to bingoport to get an easy £3
Ladbrokes - Cashback £42
Add £10 to your account and play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Pokerstars - Cashback £32
Add £25 and play 25 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
STS - Cashback £21
Add £30 to your account and play 30 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
William Hill - Cashback £54
add £25 and play 25 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Megacasino - £15.75
Add £25 - Play 25 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
LottoGo - Cashback £3.18
Buy a euromillions ticket
Slingo - Cashback £24.75
Add £10 play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
PaddyPower Games - Cashback £20
Add £10 play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
The Football Pools - Cashback £24.75
Sign up for the £10 a month subscription, cancel this after 30 days
Lottomart - Cashback £18
Add £10 - Play 10 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Genting Slots - Cashback £25
Add £30 play 30 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
OhMyDosh - Cashback £40+
Referral gives an extra £1, sign up through the ref link at the top of the post to get the bonus!
Gala Bingo - Cashback £17.50
Deposit at least £5, you'll get a £10 slots bonus and 100 free spins, these carry hefty wagering requirements, Open any slot and play the minimum spin size, play until you lose all of the money in your account or complete the wagering requirements on the bonus funds. Withdraw any remaining balance.
BGO - £10 Cashback
Deposit at least £15. Play 15 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance. DONT ACCEPT the welcome bonus from BGO.
Lottosocial - Cashback £4
Sign up to Lotto Social - Use your correct phone number when joining as it is the only way to login to your account. Purchase 10 lines for £1, after making a purchase go to your account page and find the list of syndicates your are in, leave the syndicates to avoid making any more payments.
Cheeky Bingo - £10 Cashback
Deposit £10 and get a £40 welcome bonus, just play bingo with all of your funds and hope to get some wins, bonus has 4x wagering requirements.

Quidco - Cashback £100+

Quidco don't offer a sign up bonus, find my ref link at the top of the post if you want to help me out!
All of the offers on quidco are much the same as topcashback, the only offer worth noting is the betfair casino offer which pays £100
Betfair - £100 cashback
Add £100 and play 100 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.

Cashbackearners - Cashback £180+

Sign up Bonus
Get a £6.5 sign up bonus, think this works with or without the ref link, links are at the top of the post!
To find these offers just search for casino on the site.
All of these offers state that you only need to make a deposit, its best to play through the deposit 1x to ensure that the cashback is paid.
LuckyMeSlots - Cashback £15
Add £15 and play 15 single £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Spin Genie - Cashback £12.5
Add £12.5 and play 12.5 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Cashmo - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Don't spin the wheel that pops up after signing up or accept any other bonuses.
Ice36 -Cashback £15
Add £15 and play 15 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Spinhill Casino - Cashback £15
Add £15 and play 15 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Galacasino - Cashback £30
add £30 and play 30 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Casino765 - Cashback £12.5
Add £12.5 and play 12.5 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
Casinosuperwins - Not recommended, bad site, awful support
Casino2020 - Cashback £15
Add £15 and play through £15 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
Pocketwin - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
The Sun Vegas - Cashback £15
Add £15 and play 15 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
DrSlot - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
MrSpin - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
PrimeCasino - Cashback £15
Add £15 and play 15 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
ConquestAdor - Cashback £10
Add £10 play 10 £1 hands on blackjack following the strategy outlined at the top of the post, withdraw any remaining balance.
MFortune - Cashback £10
Add £10 and play through £10 on any slot staking the minimum amount per spin. Keep track of spins and quit the slot after wagering the required amount. Don't spin the wheel that pops up after signing up or accept any other bonuses.
Thanks for reading, hope this of use to some people, happy earning!
submitted by Leth96 to beermoneyglobal [link] [comments]

Zeroth day review of M1

What got my attention
I started looking around for other options when I realized just how much I was paying to Betterment for their services. I like Betterment a bunch, but it's difficult to justify the cost as my account with them grows.
I like that M1 is looking to help people get rich slowly, unlike some flashy fintechs which are trying to gamify stock trading into a casino experience.
I rent my home, so I don't have banks offering me gobs of mortgage debt at ridiculously low rates. Instead of treating my home as an investment, I use the ETF market. But—compared to mortgages—there are very few options for using cheap debt to supercharge returns on ETFs.
Because the choice of asset allocation essentially cap the overall risk of a customer's portfolio, I've always felt that Wealthfront and Betterment should be offering margin at rock bottom rates. M1 seems to have achieved the best of both worlds, with a low margin rates and greater freedom to tailor investments to my needs. I'm a fan.
Honestly this feature should be standard for all investment accounts.
M1 has this great post about its business model. I like seeing the CEO explain to his customers how he plans for the company to succeed.
These features are super nice, definitely draw me in. I'm somewhat worried they are too good to be true, though. How can such an APY be profitable for M1 to offer long-term?
So-so
Given that I'm comparing M1 against my experience with Betterment, I'd really love to see a way to integrate TLH into a pie. TLH is one of my favorite features of using a robo-advisor.
Makes me sad/worried
I really like the lack of AUM-based fees, but I'm not thrilled to see "event-based" fees instead. When evaluating brokers, I've trained myself to look for an ACAT-out fee as a somewhat scummy way to treat your customers. Neither Betterment nor Fidelity charge ACAT-out fees, for instance. Even though the $100 ACAT-out isn't going to break the bank for me, I would prefer to take comfort in the idea that I'm free to take my money out at any time, at no cost to myself.
Certain other fees make me feel the same way, like IRA termination and TOD transfer fees. I'd absolutely prefer to pay more annually for M1 Plus if it meant these fees went away, even if it meant paying more over the lifetime of my relationship.
And as a backdoor Roth user, the IRA conversion fee basically is just a "IRA deposit" fee for me. No bueno.
IMO, TOD should be a first-class experience when setting up a brokerage account. I'm definitely not an expert, but my guess is that the TOD process is easier for brokers than the probate process.
It freaks me out to see my account info available behind a separate set of login credentials, and makes me think the 2FA setup isn't really protecting much. I don't know what the "Transfer Account to Another Profile" feature does, but it just sounds scary. I'm pretty confident it doesn't actually give anyone else the ability to withdraw assets, but I'd sleep better knowing that buttons like that one are available only to CSRs.
I know a bit about asset allocation, so I can pretty easily sit down and compute a "pie" that works for my needs. But it's even easier to just take a survey from Wealthfront or Betterment and use their recommendation. I signed up for M1 knowing that I'd have to put more effort in than I do today with Betterment.
But the lack of financial planning tools makes M1 a complete dealbreaker for my less savvy friends and family. For them, paying 25 basis points per year for better asset allocation advice would absolutely pay off, so Wealthfront/Betterment earn their fees on that feature alone.
The M1 Spend/Plus combination is better than any high yield savings account, in my opinion. So the only thing stopping me from parking my whole rainy day fund there is my lingering doubt that I'll be able to access it quickly and have a good customer support experience. If M1 wants to maximize my potential net interest margin (i.e. make money on my cash deposits), they'd ideally make me feel really comfortable in the cash management experience.
When my Fidelity card was being declined as I tried to use Square Cash to send my roommate the rent, being able to call Fidelity's 24/7 debit card support went a long way to providing the level of comfort that I'm looking for.
When I was new to the Fidelity cash management features, one of the elements that convinced me to dip my toes was the promise of $0.00 incoming and outgoing wire transfers. I figured "I can start moving money over, and if something comes up, I can get money back to a brick-and-mortar bank quickly." For example: I'm signing a lease tomorrow, and have not-quite-enough money in my brick-and-mortar bank account to cover the cashier's check I'm going to need. Being able to quickly transfer money over can be super useful in "oh shit!" situations like that one.
Sidenote: if (heaven forbid) I ever receive a margin call, I'd feel much better knowing that I have wire transfers already configured with every other financial institution that I do business with. But even better would be to feel comfortable just having all of my assets at M1, so that responding to margin calls wouldn't even require a transfer between separate institutions.
M1's product lineup is pretty slim right now. I'd really love to see some upsell options, like Betterment's "pay 15 extra bps for financial advice from a real person". I like seeing upsells because they would provide M1 with a source of revenue that customers pay by choice, rather than fees that customers pay because they're a captive audience. And (as pretty much every fintech company has realized), these ancillary products can improve customer retention in the "core" product.
I'd love to know more about the health of the M1 business. Why do I care? Because I want to be really confident that M1's services and pricing are going to survive and thrive long term. I don't want to see the service change dramatically when the (hypothetical) Series F doesn't materialize. In other words, I want to avoid a Moviepass-esque situation: where the company promises a bunch and then has to backpedal on those promises. If that's going to happen, I'd prefer to re-survey the landscape after the dust settles.
In the very worst case, M1 goes bankrupt. If that happens, I'm pretty confident that the combination of (FINRA, SIPC, FDIC, other alphabet soup) ensures my investments and deposits will remain there for me. But still, I imagine the process is pretty painful for some amount of time, even if customers are all eventually made whole. I'd sleep better at night knowing that these issues are off the table.
Fidelity publishes their revenue and operating income. With Betterment, I can do napkin math based on their published AUM to ballpark their revenue. M1 has that wonderful blog post linked above, but that still leaves me with questions like: "given that the effective fed funds rate is 9 bps right now, and M1 deposit accounts can make 100 bps, is M1 actually making any net interest income?"
Conclusion
I'm still not sure if M1 is right for me. I know I'm paying Betterment/Fidelity a shit ton of money every year, but in doing so I get a fair amount of peace-of-mind. And if I just wanted rock-bottom margin rates, I should use Interactive Brokers.
I'm curious whether other folks have the same concerns, and if so how they've dealt with them.
submitted by M1-Day0 to M1Finance [link] [comments]

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submitted by Ambitious_Barnacle_1 to u/Ambitious_Barnacle_1 [link] [comments]

Bagel's "How To Get A Head Start In HUT" Guide: NHL 21 Edition

Hey guys, Bagel here with another year's guide on how to get ahead in HUT early.
Let me preface this guide with some definitions:
EA Play = The 10 hour access time from October 8th onward
Early Access = The time from October 13th - October 16th
General Release = October 16th
Bagel's NHL 19 Guide
Bagel's NHL 20 Guide
Most of this guide from last year still rings true. Nearly all of my predictions were correct in terms of what was good to sell, hold, or buy.
To find the good players to flip, you want to put yourself in the shoes of potential buyers and think about the cards that you would want to use for your ultimate team:
How to make guaranteed profit with little to no market knowledge
Instead of just saying buy low and sell higher, there's an easier guaranteed way to explain how to make coins in HUT.
It's so easy to open those squad battles/HUT champions/CS packs moments after they're distributed and just list the pulls on the marketplace at their current price. But if you just wait a day the market will be much higher for those cards and you could make about 30% more than you would by selling your cards on a reward distribution night.
One thing is always guaranteed with the HUT market... it recovers absurdly quickly. Within just a few hours the market will rebound to normal, especially overnight.
In NHL 20, Squad Battles rewards came out Friday ; HUT Champions, CS, and HUT Rivals rewards came out on Wednesdays. What I typically did was buy literally anything priced low at the 59th minute mark on Wednesdays right after reward distribution until I was at 0 coins, and then sell them the next day (Thursday) and do the same thing on Friday and sell on Saturday-Monday.
The 59th Minute
The 59th minute is where new cards are listed for sale and people "snipe" cards with a buy-it-now price lower than usual. To get to the 59th minute I usually just set my auction filters to "Gold rarity / Max buy-it-now as many coins as I have", then just spam R1/RB until you get to the auction listings at 59 minutes 59 seconds.
But how do you work the 59th minute? If you go to the 59th minute with zero knowledge about player prices, you're going to waste your time. Instead, just focus on a few players within your price range. You can flip pretty much any card, if you know their prices.
To start out, I usually recommend low overall base defensemen and centers like Erik Karlsson, Brent Burns, Giroux, Stamkos, etc. Just get familiarized with their prices during normal days and immediately after rewards are given out. For example, Erik Karlsson at the launch of NHL 20 was usually a 30k card on a normal day, but when rewards came out he was usually like 15k-20k. I'd just target any Erik Karlsson listings under 20k and buy them at the 59th minute and then relist them for 30k overnight or the next day(s) until they're all sold. That's like 10k-15k profit on each one I won.
How should you spend your time during EA Play and Early Access?
In conclusion,
If you guys have any questions about specific stuff, just feel free to write in this thread or pm me. I'm always willing to discuss strategies and HUT in general. I've been playing this mode since around NHL 13 and know it's ins and outs very well.
submitted by bagelpizzaparty to NHLHUT [link] [comments]

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submitted by hennywidiyanti to u/hennywidiyanti [link] [comments]

A History of, and everything wrong with the modern Duel Arena and why it truly needs to go, from someone who has staked 100s of bils through 2007-2020.

You might know me from various videos through the years like https://www.youtube.com/watch?v=Yo5ovtsE44k or https://www.youtube.com/watch?v=UvM9io0mNeI. Or from being hacked by Jed for 46bil
Lets start with what did the arena look like 2007 -
Majority Mage boxing, profit was from people abusing IP addresses with priority (lowest multiple of 8 in last digits, who the hell knows why this gave priority please tell me, but it did).
Mage boxing was really few hits with blood barrages, and you would keep a crazy high win rate and make bils if you were one of the small group who knew how first hit happened. A more innocent time, knowledge of the game was low and 4fun duels of people taking their full rune and getting farcasted in a duel vs a pure were everywhere.
Then we had the restricted trade era, zzz skip
Return of the wildy - It was quickly worked out that each login session gave a PID which changed on log out, you could follow someone and how you pathed said if you had highelower hit. People would spend hours relogging to get the perfect PID for first hits in rapier stakes or boxing. Big stakes between people in the know would require both people relogging, this was gamed with other ways to tell who had first hit such as delays in the accept screen. This was also a wild era, you could do things such as armor on stakes or summoning boxing (extremely high skill stake mode), people also still did things like obs on high risk stakes. This was above all a FUN time to stake, you could earn bils with good game knowledge and skill.
EOC - AHAHAHAHAH JAGEX WHY, utter mess, glitches everywhere (I lost a ton because they forgot to disable butterflies of all things in the arena with EOC). People still stake on RS3 but it is scammers and glitches everywhere, close to unplayable.
Old school rs release Fun times, people were not all maxed, you had people doing whatever, a mess with things like you could xlog, and pid was back to being decided by your IP address. This was the second golden era of staking, spend your days anti scamming or working out your odds vs different builds to profit.
First mistake - Inventory shown, this did nothing but help scammers, this was the most braindead update I have ever seen. People still fell for say mage being turned on, but now the scammer had the safety to never stake someone who also brought runes.
Second "mistake" - Tax, this made any form of "honest" odds staking dead, no more could you grind out small advantages from say using the right flicking styles, over a long period you lost out. This reduced the arena to 50/50 flips and scammers. At this point the arena was now 99% people sitting there all day hoping you didn't notice them using a rapier vs your whip.
Third "mistake" - Even stakes only, good intentions to stop the x1.5 me for having 90 instead of 99 def, in reality just removed even more real people out of the arena. You can't even try beat people on a pure for better odds or something anymore.
Current state of the arena - Literally no purpose but being the sand casino, no honest way to consistently profit, zero fun to use. Gambling addicts spend their real savings on money to lose it vs bots who sit there all day waiting to get a rapier vs whip stake.
Tl'dr : The current state of the arena is nothing like 2007, updates that were perhaps individually good intended at the time have reduced it to an utterly unrepairable mess, delete it.
submitted by mazrrim to 2007scape [link] [comments]

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หรือ อีกชื่อ Viva3388 และก็ Viva9988 เป็นบริการคาสิโนออนไลน์ชั้นแนวหน้า ที่พร้อมให้ท่านผู้เล่นรับดูการถ่ายทอดสดจาก Holiday Palace ที่เปรียบได้เสมือนดั่งเกมการเดิมพันออนไลน์ยอดนิยมจากลูกค้าไม่น้อยเลยทีเดียว ซึ่งคุณสามารถเล่นเกมคาสิโนออนไลน์ได้ในทันที ไม่จำเป็นที่จะต้องมาวิตกกังวลหรือกลุ้มใจในเรื่องเกี่ยวกับการดาวน์โหลดโปรแกรม

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เป็น ผู้ให้บริการเกี่ยวกับการเล่นบาคาร่าไม่คดโกง ที่ได้รับการยินยอมรับจากเหล่าบรรดานักการพนันเยอะที่สุด ด้วยระบบเกมวางเดิมพันบาคาร่าออนไลน์ได้อย่างสะดวก พร้อมทั้งการถ่ายทอดสดที่ส่งตรงจากคาสิโนในสถานที่จริง สามารถเลือกเล่นได้หลายห้อง ทำให้ท่านไม่ต้องเสียเวล่ำเวลาสำหรับในการรอคอยแจกไพ่อีกด้วย
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เว็บที่ให้บริการเล่นคาสิโนออนไลน์ ที่พร้อมให้ท่านเข้ามาใช้บริการผ่านทางเว็บ หรือ ทางโทรศัพท์มือถือได้ตลอด 1 วัน ที่ได้มีการเน้นให้บริการในแบบอย่างเกมคาสิโนที่เล่นง่ายสไตล์คล้ายกับของจีคลับ โดยเกมใน Genting Club ที่มีสมาชิกนิยมเล่นกันอย่าง บาคาร่า รูเล็ต ไฮโล ถั่วโป ที่พวกเราขอเสนอแนะ
Princess Crown
อีกหนึ่งการบริการด้านคาสิโนออนไลน์ยอดนิยมอย่างยิ่ง ซึ่งผู้เล่นสามารถเลือกเล่นจากคาสิโนออนไลน์ได้ถึงสองที่ ทั้งยังคาสิโนในปอยเปต แล้วก็ช่องจอม ด้วยระบบเกมคาสิโนออนไลน์ที่เล่นได้อย่างสะดวกสบาย
submitted by ta911asia to u/ta911asia [link] [comments]

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