Credit karma bank plaid


2016.06.15 20:51 zaqstavano Precognition

All about precognition -- picking up info from the future (dreams, visions, hunches, etc.)

2023.06.04 00:10 Devosmit Wrong address showed up on credit karma

I have gotten a email stating that my address has been updated on my credit karma it is super close to my current address but it’s off by street number what do you think this is I can’t get ahold of Transunion since it’s the weekend example it’s says 10th ave instead of 100th ave
submitted by Devosmit to PersonalFinanceCanada [link] [comments]

2023.06.04 00:06 optimusprime82 Bad Way to Start the Weekend

Not Looking For Assistance or "Member Support"
My wife's Chime account was emptied today. Someone was able to log into her account, moved her savings and credit builder funds to her checking account, and then sent all the funds to a new contact through "Pay Anyone." Total amount stolen was approximately $2,300, which included our rent payment which hadn't gone through yet.
Chime says they're investigating and she filed a police report. She may get a temporary credit within the next fourteen days.
She has some funds in another conventional bank for some incidentals. I paid the rent from my other bank account until she (hopefully) gets her funds restored.
TL:DR - Update your password and don't keep all your funds with Chime (if possible).
submitted by optimusprime82 to chimefinancial [link] [comments]

2023.06.04 00:05 Devmacd PrizePool Referral Code

Check out PrizePool, a secure banking app that pays out 10,000+ in cash prizes monthly! Get a cash bonus on your drawing prizes and a $10 credit if you sign up for Stacked using my referral link: You can also use my referral code Q7ND3.
submitted by Devmacd to referralcodes [link] [comments]

2023.06.04 00:04 Richard_Leo What i learned is, that germans are basically poor

Don't get me wrong, germans are not the worst clients you can have (that is reserved for indians and chinese) but they have a certain status among us austrians.
First of all they seem to be allergic to credit cards which makes the check in process a bit more complicated, since we only can take a certain amount of cash in towards the end of the day for the "cash drop" which will be done everyday on the side of the accountants.
The story begins when i changed from a five star superior wellness hotel to a four star business hotel, because my Gf got a better paid job there so we moved. The difference was shocking how i now perceive certain types of people. Back in my old job money wasn't a problem (people paid 5 figures for their stay, went golfing and so on) but at this job clients were a bit more stingy and aggressive to say the least.
I had f. e. a check out line of like 12 rooms (i was the only one at the FO) and one was already screaming at me that he is missing his flight and i shall be more quick (it wasn't uncommon to have like 100+ check ins and check outs per day at this hotel) and i was just telling him to get back in line and i am not responsible for his schedule.
The problem was, that he had a cash deposit of more than 800 Euro and i didn't had any money left (the shift before me basically did not a proper job) and i told him, that it will be refunded to his bank account which he wasn't happy but accepted it in the end. Then he had a rental car which he parked at our hotel and i also charged him with the daily parking fee and he flipped the shit that this should be included how expensive the city already is blablablabla.
Then he didn't wanted to pay the city tax (which the hotel has give to the government) and he told me that he never had to pay for it and that he is not beginning now. To this point i was just fed up with him and i said, that i will charge him and if he is not paying for it i will call the police and this will make sure that he certainly miss his flight. He wanted the manager and i told him no which threw him a bit off and then he just paid and told me he is not coming back to our city. I wished him a good day and "until next time".
Seriously, i never had problems with germans back in my "old" hotel but this occurrance wasn't the only encounter i had and thinking, that germans aren't that rich as i thoght, because in the other hotel they drove Porsche, Maserati and so on.
submitted by Richard_Leo to TalesFromTheFrontDesk [link] [comments]

2023.06.03 23:55 vultor_io Introducing Vultor - The Decentralised Banking: Empowering NFC Tap-to-Pay

Introducing Vultor - The Decentralised Banking: Empowering NFC Tap-to-Pay
We are excited to introduce you to Vultor, a decentralised banking system designed to revolutionise cryptocurrency payments without the need for intermediaries. Similar to a credit/debit card, Vultor offers an inexpensive, simple, and secure solution that enhances the way we transact with cryptocurrencies.
Key Features:
Built for Security: Vultor prioritises the safety of your assets by storing private keys offline in an air-gapped environment. Your keys never leave the secure element of the card, ensuring maximum security.
Contactless Transaction Verification: With NFC technology, you can securely sign and authorise transactions and payments by simply tapping the Vultor card on a mobile device. It provides a convenient way to accept cryptocurrency payments, making it ideal for various businesses such as flower shops, food delivery services, and beverage sales.
Peer-to-Peer Contactless Transactions: Vultor eliminates the need for additional devices like expensive POS terminals. By using your NFC-powered smartphone, you can turn it into a crypto POS terminal, enabling fast and familiar contactless payments. Say goodbye to slow processing transactions and waiting for terminal authorisations.
Vultor's Vision and Perceived Success:
Our vision is to create a world where products and services can be bought and sold among peers using the Vultor card, both in-store and online. We aim to reduce the costs of doing business, streamline payment operations, and open communication barriers without the need for expensive card terminals. We believe that Vultor (VLT) has the potential to become the preferred method of online payment systems worldwide.
We anticipate that within four years, Vultor can acquire at least 5% of the online/in-store payment system market share, resulting in over USD 200 billion in transactions and generating more than USD 2 billion in revenue. We also foresee Vultor (VLT) surpassing a market cap of USD 5 billion within that period.
Why Invest in Vultor Now?
Investing in Vultor presents an opportunity to benefit from the overall growth of the crypto market. With the potential for high gains, especially in the Vultor coin's market cap, early investors can reap the rewards of this promising project.
Join us on this journey towards a decentralised future of crypto payments. Together, we can break free from the constraints of traditional banking systems and empower individuals to control their financial destiny.
Key Technologies: Near Field Communication (NFC) and Application Program Interface (API)
Vultor leverages the power of Near Field Communication (NFC) to enable secure and contactless connections between devices within a range of 4 centimeters or less. This technology allows users to make secure transactions, exchange digital content, and connect electronic devices with a simple touch. NFC can be implemented in both software and hardware cryptocurrency wallets, providing a seamless and convenient experience for making cryptocurrency payments.
We believe that Vultor's innovative approach, coupled with the power of NFC and API integration, will reshape the landscape of cryptocurrency payments and offer a new level of convenience and security for users worldwide.
Benefits for Small Street Retail Vendors in Africa:
Challenges Faced by Small Street Retail Vendors in Africa:
1. Limited Access to Banking Services: - Vendors operate in remote areas with limited banking infrastructure. - Difficult to establish merchant accounts and accept electronic payments.
2. Risk of Cash-Related Issues: - Cash transactions expose vendors to theft, counterfeit currency, and storage risks. - Handling cash increases the risk of errors in financial records.
3. Inconvenience and Trust Issues: - Counting cash, providing change, and managing cash shortages can be inconvenient. - Customers may prefer the convenience and safety of digital payments.
4. Financial Inclusion and Growth Limitations: - Lack of access to formal financial services inhibits growth and expansion. - Difficulty in building creditworthiness and accessing loans for investment.
5. Technological Barriers: - Limited access to smartphones, reliable internet, and infrastructure for digital payments. - Vendors need affordable and user-friendly solutions that work with existing devices.
Benefits of Vultor for Small Street Retail Vendors in Africa:
1. Affordability: - No need for expensive card terminals or point-of-sale systems. - NFC-enabled smartphones or devices are more accessible and cost-effective.
2. No Additional Infrastructure Required: - Operates on a decentralized blockchain network, reducing reliance on banks. - Vendors can initiate transactions directly without intermediaries or additional infrastructure.
3. Lower Transaction Fees: - By eliminating traditional payment processors, Vultor reduces transaction fees. - Helps maximize earnings and reinvest in businesses.
4. Convenient and Efficient Transactions: - Fast and seamless transactions through Vultor's NFC technology. - Reduces waiting times and enhances the customer experience.
5. Enhanced Security: - Private keys stored offline on the Vultor card for added security. - Minimizes the risk of unauthorized access and protects customer data.
6. Increased Customer Base: - Accepting digital payments attracts customers preferring convenience and security. - Vendors tap into the growing market segment and potentially increase sales.
7. Financial Inclusion: - Accepting digital payments establishes a digital footprint and builds creditworthiness. - Enables access to loans and financial services previously out of reach.
Vultor's solution empowers small street retail vendors in Africa by addressing the challenges associated with limited banking access. With affordability, convenience, security, and the potential for financial inclusion, Vultor enables these vendors to thrive in the digital economy and contribute to economic development.
Utilizing NFC-Enabled Smartphones for Cost Savings:
1. Cost Savings: - NFC-enabled smartphones eliminate the need for expensive card terminals. - Vendors can use their existing devices, avoiding significant upfront investment.
2. No Additional Hardware: - NFC-enabled smartphones combine payment terminal functionality with mobile convenience. - Vendors install the Vultor app, turning their smartphones into payment acceptance tools.
3. Ease of Use: - NFC technology provides a user-friendly payment experience for vendors and customers. - Transactions are initiated with a simple tap, streamlining the payment process.
4. Flexibility and Mobility: - NFC-enabled smartphones offer the freedom to accept payments anywhere. - Vendors can operate from various locations and participate in mobile events.
5. Reduced Operational Costs: - NFC-enabled smartphones eliminate the need for dedicated telephone lines or internet connections. - Vendors can use existing mobile data or Wi-Fi connections, saving on telecommunication expenses.
6. Seamless Integration with Existing Processes: - Vendors can continue managing inventory, tracking sales, and generating receipts using their smartphones. - Integration with Vultor's NFC technology is seamless, minimizing disruptions.
By utilizing NFC-enabled smartphones, Vultor enables small street retail vendors to accept payments conveniently and cost-effectively. This approach eliminates expensive card terminals, reduces operational costs, and provides flexibility and mobility. With easy integration into existing processes, vendors can seamlessly transition to digital payment acceptance without financial barriers.
Empowering Small Street Retail Vendors with Vultor as a Pocket Point-of-Sale Terminal
Vultor aims to revolutionize payments and empower small street retail vendors by offering them an easy and accessible solution to accept cryptocurrency payments. With Vultor, small vendors can transform their smartphones into pocket point-of-sale (POS) terminals, enabling them to tap into the world of digital transactions effortlessly.
Traditionally, small street retail vendors face numerous challenges when it comes to accepting payments. Limited resources, high costs of acquiring traditional POS terminals, and complexities associated with setting up merchant accounts often hinder their ability to offer diverse payment options to customers. However, Vultor's innovative approach changes this landscape by providing a simple and cost-effective solution.
By utilizing their NFC-enabled smartphones and the Vultor card, small street retail vendors can instantly convert their devices into powerful POS terminals. This means they can accept cryptocurrency payments from customers with just a tap, without the need for additional devices or complex setups. This pocket POS terminal functionality opens up new avenues for small vendors to embrace digital transactions, expand their customer base, and stay ahead of the curve in an increasingly cashless society.
The benefits of Vultor as a pocket POS terminal extend beyond convenience and accessibility. By accepting cryptocurrency payments, small street retail vendors can tap into a broader market of tech-savvy customers who prefer digital transactions. This provides them with a competitive advantage and positions them as forward-thinking businesses that cater to the evolving payment preferences of their customers.
Furthermore, cryptocurrency payments offer several advantages for small vendors. Transactions conducted through cryptocurrencies are fast and secure, minimizing the risks associated with cash handling and potential fraud. Additionally, by leveraging blockchain technology, these transactions are traceable and transparent, reducing the possibility of chargebacks or disputes.
The use of Vultor as a pocket POS terminal also helps reduce operational costs for small street retail vendors. They no longer need to invest in expensive traditional POS terminals or pay additional fees associated with traditional payment processors. By leveraging existing infrastructure, such as their smartphones and an internet connection, vendors can accept payments seamlessly and without incurring substantial expenses.
Vultor's pocket POS terminal functionality is particularly valuable for street vendors in developing regions and underserved communities, where access to traditional banking and payment infrastructure may be limited. By embracing Vultor, these vendors can overcome financial inclusion barriers and expand their customer base, contributing to their economic growth and development.
In summary, Vultor's pocket POS terminal functionality empowers small street retail vendors by offering them an easy and cost-effective solution to accept cryptocurrency payments. By leveraging their NFC-enabled smartphones and the Vultor card, vendors can tap into the benefits of digital transactions, cater to tech-savvy customers, and reduce operational costs. This feature opens up new opportunities for vendors, particularly in underserved communities, to participate in the digital economy, enhance financial inclusion, and drive economic growth.
Join us in the revolution of decentralised banking with Vultor and experience the future of crypto payments.
For more information, please visit our website or feel free to ask any questions below.
We would like to inform our esteemed community members that while the token sale is not yet live, we are excited to announce that the Vultor website is now open for registrations and serves as a hub for exploring the fascinating world of Vultor. This significant milestone marks the beginning of an engaging journey as we unveil the potential of our revolutionary decentralized banking system.
On our website, you will find comprehensive information about Vultor, its key features, and the transformative impact it promises to have on the realm of cryptocurrency payments. We encourage you to take this opportunity to delve into the depths of our project, gaining valuable insights and expanding your knowledge of the Vultor ecosystem.
As we embark on this groundbreaking venture, we understand the anticipation surrounding the token sale. To keep you informed and engaged, we have thoughtfully included a countdown timer on our website, prominently displaying the upcoming sale open date. This feature allows you to stay updated and ensure you don't miss out on any important announcements.
We believe in fostering a strong and informed community, and the registration process on our website is designed to bring together individuals who share our passion for decentralized finance and the future of crypto payments. By registering, you will be at the forefront of receiving timely updates, exclusive news, and insider access to exciting developments within the Vultor ecosystem.
We urge you to stay connected with us through our website, as well as our social media channels, to be among the first to receive updates regarding the token sale and other crucial milestones.
At Vultor, we are committed to transparency, innovation, and empowering individuals to control their financial destiny. We invite you to join us on this transformative journey as we collectively shape the future of crypto payments. Together, let's unlock the potential of decentralized banking and embrace a new era of financial freedom.
For more information and to register your interest in Vultor, please visit our website at Stay connected with us on Telegram, Twitter, LinkedIn, Medium, and Reddit to stay up to date with the latest news and engage in meaningful discussions.
Thank you for your support, and we look forward to embarking on this exciting adventure with you!
Pitch deck: WhitePaper: Private Investors: Website:
Telegram Group: Twitter: Linkedin:
Support email: [[email protected]](mailto:[email protected])
submitted by vultor_io to u/vultor_io [link] [comments]

2023.06.03 23:50 AlternativeFishing53 PH Immigration Chances for Off-Loading?

Unemployed (just resigned a few months ago) planning on taking a solo vacation before starting my next job next month. I have savings (can prove with bank certificate), past COEs (been consistently employed for the past 3 years, all by well-known MNCs), and signed offer letter for my next job (also a well-known MNC) indicating my starting date. I also have two credit cards with around 500k combined CL. What are the chances I get offloaded?
submitted by AlternativeFishing53 to Philippines [link] [comments]

2023.06.03 23:07 ocshoppers Newton Referral Code - New users get a $25 sign up bonus after trading $100

Say hello to Newton.
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  1. Sign up with referral link: (Or enter code 3GWFVX manually)
  2. Fund your account via a linked bank account, e-transfer, wire transfer, etc.
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Bonus, after $100 traded you will be credited an extra $25
You can keep trading or withdraw at any time
submitted by ocshoppers to ReferalLinks [link] [comments]

2023.06.03 23:06 Popular_Engineer_525 California Tax board took 3500$ in the end turns out they actually are the ones that owe me money…..

I switched jobs in the end of 2019, my new job at the time was based in California. So I worked for around 2 months for this company. When it came to file taxes in 2020 the software I was using didn’t allow multiple state returns (credit karma) so I didn’t file in cali and thought nothing of it. Now in 2023, i woke up to them taking 3500$ from my account wtf… I haven’t been aresident in Cali for two years so I was confused.
After an hour on hold turns out it’s just me not filing my taxes for 2019, so I filled out the paperwork and faxed in.
Here the twist, my payroll withholdings were like 2500 so I was like wtf. You took 2500 from me then and now you want to take another 3500? Well I’m the end turns out all I needed to pay was a few hundred and Cali now owes me 1800 plus got my money back.
TLDR; California thought that I owe them 3500$ turns out they actually owe me a refund.
submitted by Popular_Engineer_525 to tax [link] [comments]

2023.06.03 23:04 ErisStart Keep playing with me. These are public record. Wanna add another?

Keep playing with me. These are public record. Wanna add another? submitted by ErisStart to SPIRITGODDESSJULIELIE [link] [comments]

2023.06.03 23:03 bender9000 SoFi applies for new trademark: GET HER MONEY RIGHT

SoFi applies for new trademark: GET HER MONEY RIGHT submitted by bender9000 to sofistock [link] [comments]

2023.06.03 23:00 debtanonimo Letter from Vanguard regarding 10 year old debt from payday loan

Hi there and TIA in advance for any help. I am in the state of Texas and have been for this whole ordeal.
This is really embarrassing but at least 10 years ago I took out a payday loan online and didn’t pay it back. I had my bank block the transactions. For a few years I got some phone calls but ignored them. I was in a really bad place and only vaguely remember the details of what I signed up for.
Anyway, so I just received a letter in the mail from Vanguard Legal Group out of Columbus, OH entitled “Notification of Lawsuit and Civil Complaint” where I am listed as a “respondent”. The amount they claim that I owe is $1,623.73. They say they are looking to sue me for NSF fraud. (Yikes)
However, I am in Texas and am somewhat familiar with the debt laws here and it’s my understanding that there is a 4 year statute of limitations on judgments and lawsuits for debt. Is there a loophole I am not aware of? I have not made any contact or paid a dime on that in at least 9 years.
They listed where I worked at the time and said they reserve the right to supena 2 relatives listed by their first names in the letter should they file suit.
At the bottom it says if I don’t pay by June 9, “a final determination to take legal action will be made on your due date should your payment not be received by our office, and after which time we have thoroughly reviewed your file to ensure any legal proceedings are in accordance with state law”. They also list my (now good) credit score and says it’s their intent to make a hard pull on my credit during the process. That doesn’t seem quite legal either.
Are they just trying to scare me into paying? Are they going to be able to send a process server for this long ago?
I could pay my debt in full and know that is the morally right thing to do, but I have expenses that I’d rather cover first.
Please let me know if anyone has any experience with this or knowledge of what would happen if I ignore this. Let me know if you need more info. Thank you!
submitted by debtanonimo to Debt [link] [comments]

2023.06.03 22:56 DickweedJr Part Time (22M) grad student about to begin full time work (40k/yr) looking for 2nd card

Currently have a bank account with my university (UW-madison) credit union with an autopay credit card only. I have used this for 4 years along with debit cards from the same account and plasma donations on a prepaid card. I do most of my banking/bill paying from Fidelity, with whom I also have a Roth401k.
Currently have about 30k in my accounts, but expect to burn through a lot of it with tuition/cost of living in the next two years, including an unpaid internship in my field that is required to advance.
Transunion 749, Equifax 761.
Primary goal is building credit and rewards. Most of my expenses are groceries, rent, and the odd time eating out (1x/wk).
I currently work full-time at about 16/hr and donate plasma to make equivalent to about 40hrs/wk at this wage, but will be moving and working at about 20/hr starting in August.
submitted by DickweedJr to CreditCards [link] [comments]

2023.06.03 22:40 zalam604 Best (free) software for managing personal finances

Folks, for years I would use a good ole Excel spreadsheet to manage personal and household finances.
Just over a year ago, I switched to Intuit Mint. It's totally free and cloud-based, plus they have a native app for your phone (I have Apple, not sure about Andriod).
Anyhow, it's been a game-changer. They have the best and most secure encryption and I can link all my bank accounts, credit cards, investment accounts and other custom assets and liabilities (home, car, whatever). The platform updates ALL my accounts automatically and categorizes income and expenses intuitively. I can set monthly budgets, which the platform monitors and sends alerts me alerts to my phone if I've overspent. Also, I can look at spending trends over time and really drill down to what exactly my household s spending money on.
On the Investment side, I have linked all my RRSP, TFSA and Cash accounts and Mint tracks that performance as well. Finally, it gives you a nifty net worth over time.
I don't work for this company and I'm only passing on this information because it's really changed the way I look at my money and perhaps it could help you as well.

submitted by zalam604 to PersonalFinanceCanada [link] [comments]

2023.06.03 22:35 BopTheMop I broke during finals week

I have very little money left, I spent it all on legos and poker. There’s $450 in credit card debt and $55 in my bank account. How could they do this to me during finals week😔.
submitted by BopTheMop to ucla [link] [comments]

2023.06.03 22:33 eenvtr Another Pig Butcher Crypto Romance Scam

** I know about not falling for the recovery scams, I've been reading this reddit for the past few days coping. Will add a TLDR at the bottom, I just really want to let this out. Maybe my rambling might show patterns to people that they have seen, and they won't be subject to falling for the same thing and they may snap out of it.**
Hi all,
I already know I was stupid, I ignored many red flags blatantly. I was recently affected by a crypto romance scammer. Story as follows:
I have not dated in almost a decade, I closed my heart off to a lot of people and lost a lot of friends on the way. I have always been an introvert, but finally broke out of my depression somewhat a year and a half ago. I began self improvement, and feel a lot better now than I did 5 years ago. I live alone, I'm lonely, and just turned 27. I have my own apartment, and felt it was time to start working on different parts of life, instead of doing everything alone.
I decided to give online dating a try. I matched with a girl on Tinder, and I was the first to initiate. I messaged her, and she did not reply for a day. There were a couple sentences exchanged back and forth, and she asked for my phone number. I ended up providing it to her, since my friends always recommended to get someone off Tinder as soon as possible.
She messaged me on my phone, and we had a few back and forths on many different topics and ideas. It seemed surreal since it felt like I was clicking with her very well. This usually does not happen at all with people I meet in real life, and she was leading multiple parts of the conversations, which did not raise a flag to me. She mentioned that English was not her first language, I was ok with that because the English was written well, a few hic ups here and there in the conversation, but I chalked it up to a language barrier. It did not seem to be translated at all, she was even using well structured sentences with unique words that you do not hear day to day, which I assumed would not be translated in the normal sense (think obfuscate).
Some of the conversations we had was what we did for work, what our hobbies and goals are. Our taste in music, movies, recommendations. It seemed so normal first for a conversation. On the end of the second day, she wanted me to download telegram which was a possible red flag, I never trusted google hangouts, telegram, whatsapp due to scammers being known for using these applications. I was a bit hesitant but she wanted me to download it so she could talk to me while she was at work. I eventually agreed, we said our good nights and I went to sleep. I generally keep my guard up with people (why are they being so nice, what do they want from me?), but I ended up going with it since I was genuinely enjoying this person.
I added her on Telegram, and we were continuing our conversations from the day earlier. Said our good mornings, and talked more about goals and aspirations. She would talk to me about her childhood, and I would talk about mine. We eventually began exchanging pictures (nothing sexual), voice recordings, jokes. We talked for a week, and she began talking about how she uses AI for short term node investing to make money on the side while she was working and invested at times the AI told her to. I said cool, and continued with our normal conversations. Eventually I was beginning to get loved bombed and sweet talked to over the course of a couple weeks. I was feeling great about myself, and confident. I felt like I had a connection to them, I was mentioning her to friends and family about how awesome she was. About a week and a half in, she said she had to travel for a few weeks to a different part of the USA. Another red flag yay. Probably 5 so far?
I was super skeptical, but not enough. This girl intrigued me so much. I was sick for about a week, and she was constantly checking up on me and reminding me to eat, sleep, take my temperature, and to get up every few hours to stretch. None of my family or friends do this for me, which made me fall for her a bit more. She made me reconcile with my parents too, and my relationship with my parents is a lot better than before. She did mention before that she was very family oriented, and it opened my eyes that I should leave the past in the past, and embrace the future.
We had a heart to heart with one another one night, I don't want to go into details but she explained why she was single and why I was single, and this kind of sealed it for me I think. LOOOOTS of love bombing after this. One of the patterns I was noticing through the weeks is that she would always message me at 10 am, the good mornings and the like, and go to bed at 12 am (shift change anyone?). Never any messages before or after this time. She also facetimed me, had a quick conversation, but she claimed the connection was bad, so we ended it after a few minutes. I read this was a common thing after I got scammed. She was a real girl, I've heard her and seen her, but she is most likely just part of an operation. I even reverse image searched her on multiple different platforms, no results showed up. Insane.
She began talking talking about her crypto again, and wanted me to join her! I did not care about the money as much as I was caring about her. I wanted to start for her. She showed me how to to buy crypto, and how to put it in my wallet, and how to set up 2FA to transfer the crypto to said wallet. Seems normal so far, and we continued the next day. One of the things I noticed was that I was getting the drive to learn back, I dislike my current job. It's monotonous, boring, tedious, and this was something new! She got me back into reading, watching shows, improving on myself in different aspects of life.
The next day, she showed me how to use the browser in the wallet, to start staking crypto, and make passive income. I started with 200 USDT. I am kind of broke right now since everything costs so much and I make an OK wage. This could lead to financial freedom I thought. The website itself was fishy, poorly done, numbers had floats attached to them. Did not look professional, but I felt like I was in love and I could trust her. I know it's stupid loving someone you have not met.
After a few days of staking, I withdrew the money into my wallet. Looked legit! I made money. Not that much, but it was something. She mentioned to me how much money this makes compared to a 401k or roth IRA, seemed believable. She then showed me what app she uses for the short node investing. It was not on the app store, so I had to follow a link to download it (yay another red flag I saw and ignored on purpose). I set the app up and we said our good nights.
During the next day, she began walking me through how to use the app, how to input money from the wallet I have, including my staking if I wanted to. She sent me 20 dollars in ETH for the gas fees to send the USDT. Made me believe in her even more. I inputted about 250 USDT into the app, and we began short term node investing. I made about 100 dollars that day. Felt good. Yes I know it's fake.
The next day were serious red flags. She told me how her coworker withdrew his full 401k (40k USD) and put it into staking and short node investing, and has made a few hundred thousand dollars. I was intrigued, and she said I should do that too. I want to thank my job and bank for only letting me withdraw half, and loaning it against myself, and not letting me do a hardship withdrawal. I withdrew about 6000 USD from my 401k, sent it to my bank, and wired it to crypto. After waiting a few days for it to clear, I put it into my wallet, and into the fake exchange for short node investing.
I made about 44000 in fake money over the course of a couple days. She mentioned there's a new member reward, if I put in 10k USD in my account I get another 800 USDT free for being a new member. I mentioned that I can't, rent would be in a few days, and I needed the money for rent. She assured me that I should let my money work for me, and that I can withdraw it when I needed to for rent. Trusting this, I put my rent money into the fake exchange expecting to be able to withdraw it later since I was able to withdraw money before.
I got to about 8.5k USDT, 1.5k away for the free 800 USDT from the rewards program. She recommended me to apply for bank loans (another red flag LOL, but I was blinded). I never really built my credit at all before, only car loans and a credit card that I missed 2 20 dollar payments 4 years ago. My credit is low (640) so I could not loan out 50k from the bank like she wanted me to. The best I could do was 1.5k. I ended up getting my first credit card in a long time, it has a 500 dollar max currently and unsecured.
I did not end up taking out the loan (not yet), and I did not using any of the credit card to buy crypto with. This is when I began to believe something was wrong. There's no way I am getting scammed! She was messaging me and talking to me 15 hours a day, right? That's a lot of time investment.
Rent day was coming up, I went to withdraw my rent money from the fake exchange. I got an email stating I have to pay 5k in fees to withdraw the money because I won a lot of money.
I talked to her about it, inquiring why I could not just take out a portion of my principle I put in, without touching any of the winnings. She claimed it was for tax purposes and forgot to tell me. I half believed her. I talked to 2 friends seeing if I could loan out 5k from them. One said they will talk to their wife first, I respected their decision. They ended up saying no, I said thank you and I understood.
The other friend said sure, since I payed back a loan another friend gave me timely in the past. He tried to send it to me via cashapp, but was told to contact his bank first. I am very happy that happened. I said don't worry about it, I'll find out what to do. Didn't mention it the next day since I was still thinking.
Rent day came, and I took that 1500 loan to pay most of my rent. I still had a little extra money in my account to cover the full rent. Paying 500 dollars back a month on this loan to get it done asap, since my credit history isn't good, and I don't want to pay 30% interest. I'd rather loan from a bank if I can than mess up a friendship due to my stupidity.
I didn't talk to the girl for almost a full day, she kept trying to check up on me asking if I was ok and sending me voice messages. I went to a bar with friends and had a great time. I have 30 dollars in my bank account now, I get payed next week, I have a 1500 dollar loan with 30% interest I have to pay back, and 6000 dollars in a 401k I have to pay off that comes out of each paycheck. I stopped contributing to it so I don't feel as underwater.
I began responding to her, her messages weren't as lovable or frequent anymore (most likely because I mentioned that I am no longer interested in short node investing unless I get a portion of my principle back), maybe good morning and good night, and something short in the day. I used to reread our full conversations from the days when we began first talking, it just felt like bliss to me. Now I hardly want to talk to her, I downloaded and exported our conversation history from Telegram, but keeping her there just incase I can use something against it. Most likely won't be able to.
A friend mentioned to me he saw her account on another dating app, and they reported it. Different name, only a few miles away when she's supposed to be somewhere else. I told one friend about this story so far. They are very close to me and we had a heart to heart about it.
The most painful part about this is that I told my mom and sister about how I met someone new that really clicked with me, and I was finally happy. I struggled for so many years and they noticed my demeaner changed and were super joyous about it. Not only that, I don't miss the money I lost (~8.7k dollars), I miss the person that I thought I was building a relationship with that I would eventually meet and love. I was on Tinder for 3 months before I found her, every conversation was so dry and uninteresting to me until I met her. I only talked to her for about a month so maybe that is why I was able to break the spell early.
I feel free right now. I thought I would go back to being depressed, but I feel like I gained more than lost from this. I learned how to be a bit more sociable with people, what to look out for in scams (this one was way different than any I have ever experienced), to talk to people close to me about their thoughts of what's going on. I kept it all in. My relationship with my family is better because of her, but I will miss the person I thought that was for me. They really are intelligent in what they do, it's crazy. Maybe I found out that I am a hopeless romantic when my guard is not up. Which sucks, but it is what it is.
I will try to pay back all my loans asap, it's not too much money, but I will have to live more frugally at the moment. I'm not ready to let me mom or sister know, but I told one of my friends so far that won't joke about it. I am also happy I did not rope any friends into this. I needed time to clear my thoughts and do what I could to make this right.
Whenever I see her pictures online, I feel melancholic. I report her to the apps but it forces me to see what could have been if it was real. I have also submitted a case to the FBI, I don't know what else I should send to.
Thanks for reading if any of you did, I rambled a lot.

- Haven't dated in years, met chick on dating app and I was first to initiate
- She asked for my number, I gave it to her
- Quickly moved onto Telegram
- Lovebombed for weeks
- Mentions she's an investor in crypto, and wanted me to join her
- Blinded by fake love, lose 8.7k USD to the scam, everything in my bank account + half my 401k
- Had to take a loan out from a bank to pay rent
- Will miss the person I thought was for me more than the money lost itself
- Learned more from this than lost in my opinion. Thank god I'm already poor. It could have been much worse if my credit was good. Now I am on the path to building my credit for the first time in years.
- I'm aware that I was most likely talking to different people over Telegram, and she would send the recordings herself or facetimes.
submitted by eenvtr to CryptoScams [link] [comments]

2023.06.03 22:23 daughtersofthefire Building credit (new to the USA)

I'm an international student in the US and looking to build my credit. I've had my bank account for 2 years but didn't have a credit card until a few months ago. I was approved for a credit card but it was only $500 which feels very low and not useful for what I need it for (e.g. car rentals) particularly as I'm trying to keep utilization under 10% in order to boost my credit rating. My credit rating is now high 600s and seems to be increasing each month.
I'm trying to work out the best way to increase my credit availability so I can make larger purchases whilst keeping my utilization ratio low. When is the earliest I should request a credit increase?
If I'd known the limit was going to be so low I would have probably gone down the secured credit card route instead and put a downpayment of a few thousand dollars. Should I still do this (and open a new card) instead of requesting a credit increase from my current credit card company?
Thanks in advance
EDIT: I do not want a credit card to buy big things that I can't afford. I'm literally only using it to build my credit rating and for expenses where you need a credit card (e.g. car rentals).
submitted by daughtersofthefire to personalfinance [link] [comments]

2023.06.03 22:22 remybeauregard My dad died and I got a letter from a law office

My dad died in April. He was poor, lived in subsidized tribal housing prior to moving to a VA nursing home in early January. He received $1930/month in SSA. He was always financially responsible but in February we identified he was going to die within the year and stopped spending what money he had left on his medical bills - the nursing home was taking 85% of his income. I had his mail sent to my house and he’s approximately -$25k in medical debt to various facilities just in 2023. He used a variety of VA, tribal and Medicare part A benefits.
Anyway, I’m sure none of that matters. I got a letter from a law office asking to speak to the Executor to pay debts the estate owes. I suppose that’s me, but I haven’t filed anything with the courts. I received a $5k life insurance benefit, no questions asked. SSA sent me a letter stating he had money due to him, either SSA or Medicare premiums, so I filled out the form they sent. I know he has a bank account. They have been thoroughly awful through all of this and literally refused to communicate with me. In March I took a whole day off to drive to this credit union, provide my POA and get added to his bank account. They responded to my request a week after he died. I did get his statement and there’s about $11 in his checking account (going down $2 each month) and I think he has $1000 in his savings. I don’t really care to take another day of PTO to deal with this, so I let it be.
I’m not really sure how estate stuff works. No one can really tell me. It seems like a lawyer wouldn’t really be worth the money, but please feel free to tell me otherwise. Once I got his death certificate, I closed his ATT and Cox accounts and mailed copies to his debtors, but I am still getting bills in the mail for him. Can I just tell the law office to get in contact with the credit union and have at it? He had no other assets. We sold his car before he died.
Thanks in advance. Edit: I’m in Oklahoma
submitted by remybeauregard to legaladvice [link] [comments]

2023.06.03 22:19 pnglctc Seeking advice regarding credit card collection debt

TLDR; skip to the end for the actual questions. Some of them don’t need context.
I’ll save all the details of how I got myself into this mess in the first place and cut straight to what’s going on now. In short, I was unable to make even the minimum payment on all of my credit card bills. This has resulted in all of those companies closing my account and sending the balance off to collections, in which I have been contacted countless of times about. Now, I do want to preface this with I’m not one of those people who ask questions without trying to find the answer myself first. I have Google’d my questions a million different ways and I either can’t find answers that relate or I straight up do not understand what they’re talking about. Now, I don’t expect a stranger to take time out of their day and write up a personalized credit consolidation plan for another random stranger, but some specific advice is needed here.
I was an Amex customer ever since I got approved for my first CC with them in 2017, I didn’t have much of a credit history so I was approved for $1,000 at the time. I used my card often and I won’t lie, occasionally carried a balance over from month to month but nontheless still made more than the minimum payment every month before the due date. My account was in good standing with no remarks for 4 consistent years until suddenly I was 30, 60, then 90 days late on my balance and it was closed.
I have three total CC accounts in collections and as soon as I was notified by the other two that my account was closed and headed to collections, I received calls from debt collection agencies. For my Amex however, it has never been anyone on the other end of the phone other than Amex themselves. I stopped receiving emails from them about my credit card bill but instead I would occasionally receive an email with an offer to settle my balance and to call or contact them if I have any questions. Can anyone explain this to me? Why am I not getting calls from random debt collectors for my Amex account?
The balance I currently owe to Amex is $1,413. I received an email from them with an offer to settle my debt for less and they gave me a couple of options, one was to settle for $500 and something, the other for $713 and the last option was to pay off my balance in full. Of course, the last option was most recommended.
When it comes to settling a CC collection debt for less vs paying it in full, does it make a huge difference in the increase of my credit score? In the offer letter, it states that once Amex has received all the funds for my remaining balance, they agree to report my balance as $0 and paid in full to the credit bureau. Would I still need to write a letter afterwards asking them to remove the collection off of my report, or is that the same thing in different words? I do understand that it is very easy to settle a debt for less, but I am wondering if that jeopardizes any future relationship I want to have with that CC company in the future? I called Amex to discuss the plan for my payments, and when I asked if paying in full would help my chances of being approved for another card in the future this is what the agent told me; It would be amazing to pay off the full balance and you will then be eligible for the Amex Optima Card (and from my research that seems like Amex’s “second chance” card). Once my debt has been cleared, I am pre approved for an application for the Optima and upon approval, if I make consistent payments I will have the chance to apply for an unsecured Amex card again. When she explained this to me, I was so happy to hear that I wasn’t going to be on that dreaded blacklist for life. I am wondering if anyone has any personal experience with this or even any knowledge at all. If I contact them and tell them I am willing to pay X amount to settle my debt with them rather than paying in full, will my chance at another Amex card be gone?
The same kind of question goes for the other CC companies (CapOne & Chase) but the only difference is that I am no longer communicating with them anymore. I would be communicating with whatever debt collector spent 4 cents on it.
My main questions that I would love any insight at all on are as follows:
Does paying a credit card collection debt in full versus settling the debt for less make a big difference towards a credit score increase? $700 is a lot more doable than $1400, so if it doesn’t change much, I’d rather settle.
Does settling your debt for less completely destroy your relationship with a bank forever?
When I am having these conversations about my debt with the collectors, do I need to ask if they will remove the debt off of my report?
Last question, on a scale of 1-10, how fucked is my credit after all of this? I have around 10k of CC collections under my name. I have a couple of things that are helping, like a car loan and being an authorized user on some other accounts. Right now my scores are at 601, 591 and 579. (Experian)
Even after they are all paid off and potentially removed, will my credit score even be that much higher? Before all of this all happened, I was almost to the 800 club. Feeling very hopeless here!
submitted by pnglctc to CRedit [link] [comments]

2023.06.03 22:18 PardusNiger Alright whats the second best card for gas and groceries?

Got denied for a Blue Cash Everyday and they said this was the reason.
The amount of credit available on your bank credit card account with the least credit available is too low (Experian) Our evaluation of the accounts on your credit report based on the number, type, length of time opened, and credit risk level. (Experian) The highest amount of credit available on a bank credit card account reported within the last 12 months is too low (Experian) The length of time your loan(s) have been established. (Experian)
submitted by PardusNiger to CreditCards [link] [comments]

2023.06.03 22:17 GoastRiter [GUIDE] Living Large in Los Santos: Unleashing Chaos. Making Friends and Rediscovering the Thrill of GTA Online!

If you're reading this, perhaps you're like me. You have most things you want in GTA Online. You've "done it all". And now you're bored.
But... have you *really* done it all? Turns out, most of us haven't. There's so much to do in this game, and it's easy to get stuck in old habits that prevent us from discovering everything there is to do in Los Santos!
So I began writing down all my ideas for having fun in the game, and basically use these suggestions as guidelines to always find something new to do. It has completely reinvigorated my joy for the game, and I hope it can help you do the same!
If you're having trouble with motivation or inspiration, then I suggest picking something at random from the list and just doing it! You might disccover that you love it, just like I did!
And if you have anything more to add, please share your comments so that we can all help build this list together. :)

Let's go!

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

2023.06.03 22:15 GoastRiter [GUIDE] Living Large in Los Santos: Unleashing Chaos. Making Friends and Rediscovering the Thrill of GTA Online!

If you're reading this, perhaps you're like me. You have most things you want in GTA Online. You've "done it all". And now you're bored.
But... have you *really* done it all? Turns out, most of us haven't. There's so much to do in this game, and it's easy to get stuck in old habits that prevent us from discovering everything there is to do in Los Santos!
So I began writing down all my ideas for having fun in the game, and basically use these suggestions as guidelines to always find something new to do. It has completely reinvigorated my joy for the game, and I hope it can help you do the same!
If you're having trouble with motivation or inspiration, then I suggest picking something at random from the list and just doing it! You might disccover that you love it, just like I did!
And if you have anything more to add, please share your comments so that we can all help build this list together. :)

Let's go!

submitted by GoastRiter to gtaonline [link] [comments]

2023.06.03 22:02 MedusaNegritafea 40 Basic Rights Women Did Not Have Until The 1970s

40 Basic Rights Women Did Not Have Until The 1970s
What men wanna go back to and blame feminists for erupting. And this is just for WHITE WOMEN, imagine how bad it was for BLACK WOMEN.
40 Basic Rights Women Did Not Have Until The 1970s
19 COULDN'T PRACTICE LAW - women weren't accepted into university law programs. 90% of law firms refused to interview women who applied for placement in their firms.
18 WOMEN DIDN'T HAVE A VOICE - women's voices didn’t have any impact on policy or what people thought. While countless women fought for women’s suffrage and other rights, most males, especially in professional careers, wouldn’t listen to what women had to say.
17 WOMEN WEREN'T ABLE TO GET ANY JOB - before women started demanding gender equality for jobs, women could only apply for specific positions such as secretary or teacher.
16 WOMEN COULDN'T SEEK A DIVORCE ON GROUNDS OF DOMESTIC VIOLENCE - Before 1970s, getting divorced was difficult. Women had to prove that their husband had wronged them in order to obtain a divorce. Some reasons, such as adultery, became acceptable. Other reasons were not seen as acceptable, such as spousal abuse.
15 WOMEN COULDN'T BREASTFEED IN PUBLIC - Breastfeeding in public is a controversial topic today, however, before the 1970s, this topic was not even a controversy because it simply wasn’t allowed. Mothers were not allowed to breastfeed their children in public.
14 NO EQUAL EDUCATION - not only weren’t they allowed to obtain a law degree or go to ivy league colleges, they faced discrimination in the educational setting in many other ways. Many men thought girls just couldn’t handle higher education. Some felt girls weren’t smart enough to obtain a certain level of education. Many people felt women belonged in the kitchen more than school.
13 WOMEN COULDN'T HAVE THEIR OWN MIND - their ideas and opinions weren't considered valuable. Tasks acquired by women were what men felt they were capable of such as childcare, cleaning, cooking. Wives needed husbands’ permission to do many things, including getting a job.
12 THEY COULDN'T CARE ABOUT EDUCATION MORE THAN MARRIAGE - starting in the late 1960s women began to focus more on their higher education than getting married and starting a family right out of high school. This idea became a drastic change from a few years before when women often got married young because there wasn’t much for them in higher education.
11 NO WOMEN IN DC - before the 1970s, women did not have political positions in Washington DC.
10 THEY RALLIED AGAINST THE MISS AMERICA PAGEANT - in 1968, many US women protested the Miss America pageant complaining they wanted to be treated as people and not objects. They stated that the Miss America pageant promoted sexism.
9 WOMEN FOUGHT FOR THE RIGHT TO PROTEST - before the 1960s women rarely held marches and protests. If they did they saw hostility from males and other women. It started to change when men joined in the women’s protests for their rights and equality matters.
8 COULDN'T RECEIVE DIRECT CONSULTATION ABOUT PHYSICAL AND MENTAL HEALTH - women didn’t receive direct consultation about their health from doctors even if they were sick. A wife had to have her husband speak with the doctor on her behalf.
7 SHE COULDN'T REFUSE SEX FROM HER HUSBAND - in the 1970s state courts began to realize that there was something called marital rape. However very few states would do anything about it until the Violence Against Women Act of 1994.
6 WOMEN COULDN'T FILE FOR DIVORCES, WHEN THEY COULD IT WAS A LONG AND TEDIOUS PROCESS - Many people question the reason that the divorce rate is higher today. One of the biggest reasons is because women have the right to get divorced without needing proof of abuse or infidelity. Lawmakers came up with the No-Fault Divorce Act in 1969. This act allowed women to obtain a divorce easier as they no longer had to prove their partner’s fault.
5 *WOMEN COULDN'T CELEBRATE 'INTERNATIONAL WOMEN'S DAY' * - IWD started in the early 1900s. No one acknowledged it. That changed in 1970s when President Carter said States would celebrate IWD Day on March 8th.
4 PREGNANCY COULD CAUSE YOU TO BE FIRED FROM A JOB - Pregnancy Discrimination Act passed 1978.
3 WOMEN WOULDN'T BE ACKNOWLEDGE FOR RUNNING BOSTON MARATHON - first woman to run in the Boston Marathon was Kathrine Switzer in 1967. At the time, the Boston Marathon didn’t acknowledge women and she was attacked, spit on, and taunted.
2 WOMEN CONTINUED TO FACE WORKPLACE DISCRIMINATION - organizations started focusing on enforcing Work Equality For Women. The 1964 Civil Rights Act stated employment places could not discriminate based on gender or race, women continued to face work discrimination and inequality.
1 NO CREDIT CARDS - Legally banks could deny women credit cards until 1974 with the passing of the Equal Credit Opportunity Act. Women's application's got 'denied' or told to bring their husband’s signature on form. If the woman wasn’t married, the bank would request she bring a male, such as her father or brother, to co-sign the application.
submitted by MedusaNegritafea to u/MedusaNegritafea [link] [comments]