northern MN. house is n/nw facing. small roof area facing south and arcatecture creates shadows one way or the other for about 1/4 of the day on the "best" surface area. i need grid tie, feedback, battery.
760kwh on my BIG months. 25 or so a day. 1.04kwh a day. worst case. 3.8 average solar intensity with 1.2 in winter.
550w panels give [email protected]%, 8 of those vs 10 of those? OR go wtih 450W panels and do 10 or 12? idk
DC string low frequency inverter. thinking of maybe two banks of panels in series parallel from garage to house and then one more bank on the house in series. bring that dc voltage up for the longer run to the inverter.
i have lots of 220v stuff - air compressor @ 30A, welder @ 50A. 110V highest power is computestereo at 28A. house and garage are both 100A service.
inverter: https://sungoldpower.com/collections/low-frequency-solar-inverteproducts/6000w-48v-hybrid-solar-inverter-split-phase-120-240vac
panels: https://sungoldpower.com/collections/monocrystalline-solar-panel/products/550-watt-monocrystalline-solar-panel
battery: https://sungoldpower.com/collections/lithium-iron-battery/products/48v-100ah-server-rack-lifepo4-lithium-battery-sg48100p
im having a hard time finding cost savings on the battery. the panels i can find used but then they are lower wattage. so not sure there. and the inverter... thats the best price i can find anywhere for hwat i need.
thoughts? thanks.

Hello everybody, I've been playing Warframe for about 4-5 years on ps4, and I recently decided to begin to save up money to build a pc that could play Warframe @ 60 fps, Ultra, 1080p, I made a PcPartPicker list, and some of the parts may change in it since the parts will likely be purchased near the end of summer as prices will change, but I was wondering if anyone can confirm that the specs can give me the results I want, https://ca.pcpartpicker.com/list/DgcdpH (Foot Note, I don't really care about my progress being reset, I think it'll be fun to start from the ground up, famous last words, I know)

Hello all, I'm 25 and getting my finances in order before getting married. I have 0 in debt and would love to keep it that way, but i don't save all that well. I just started seriously setting aside money at the beginning of each month. Id like to control my spending habits a bit better though and I'm having a tough time tracking it in an easier way. Is it a bad idea to use a prepaid debit card for fun money? And keep money for necessary expenses in my main bank checking account? Any and all help would be appreciated!

I’m a rural NE student who goes to a really small charter school, looking to a future in medicine. I’ll include some basic stats and extracurriculars. My biggest worry is that there is just not enough to my profile, even though I’ve pretty much maxed out everything my school has to offer. I know schools generally look at what you’ve done in the context of what is available to you, but I’m still worried…
GPA: 4.27 UW (we use 4.0 scale but my grade system is different and doesn’t calculate weighted)
SAT: (taking in September)
Notable Classes:
-“Advanced” Spanish (similar to AP level, my school doesn’t offer AP courses except through dual-enrollment which I’ll get to later, junior and senior year)
-Applied Calc. at local community college (via dual-enrollment, in junior year)
-Infectious Diseases, Pandemics, and Social Justice (via Harvard Summer School, between junior and senior year)
-AP Bio, AP Calc. AB, AP US Gov. (all via dual enrollment, in senior year)
The dual enrollment situation at my high school: At my school, we can replace one class during our junior year with either a VHS (virtual high school) class or a class at a local community college. VHS offers AP classes, which are the only way to take APs at my school. During senior year, we can replace up to three classes via the same process. So although I’ve only taken one college class (aside from Harvard Summer School) and 3 APs, this was the max that I could do within the context of what my school offers.
Extracurriculars:
-Dartmouth bound participant
-Co-captain of varsity cross country team sophomore and junior year, captain senior year
-Co-captain of intramural cross country team junior year, captain senior year
-Social media manager of varsity cross country team Instagram, junior and senior year
-Sprit captain of varsity ultimate frisbee team junior year, captain senior year
-Social media manager of varsity ultimate frisbee team, senior year
-Hired my head of school, as well as 11th & 12th grade science teacher (working with hiring committee & board of trustees)
-Student representative on board of trustees, senior year (first time my school has done this)
-Student council all of high school
-Contributor to school newspaper all of high school
-Member of student-run racial and social justice group since it’s inception in my freshman year, helped fundraiser over 1K for voting access nonprofit in 2020, helped paint murals on campus honoring Black excellence at my school
-Received “Peacemaker” award from local/county organization, given certificate, cash prize, and state gov. citations from both senate and house of reps. in recognition of award, featured in local newspaper for it
-Week-long internship at local hospital in surgery junior year
-Student ambassador at local hospital between junior and senior year, 35+ volunteer hours from this alone
-Founding member of local, student run social justice group
-Founding member of peer-tutoring program at my school
Other info:
-High honor roll all of high school, high honors in every class, all semesters
-“HOWLs of Fame” (Habits of Work and Learning) award given by school, every semester of high school
Schools I’m applying to:
-All eight ivies (plus Brown PLME, this is my dream school/program)
-Four CA schools (UCLA, UC Berkeley, USC, Stanford)
-Northeastern
-Northwestern
-UChicago
-Johns Hopkins
-BU
-NYU
-Carnegie
-Duke
-Vanderbilt
-GWU BS/MD program, Yeshiva/Einstein BS/MD program
I KNOW these are all reallyyyyyy difficult schools to get into (save Yeshiva and GWU, which are 50%-60%), but what are your thoughts on this list? Any higher chances than others? Any other school recommendations, or predictions?
One last thing to note: my BS/MD program essays focus on my experiences with surgery as a child, mainly palate repair (Pierre Robin’s Sequence), as well as a traumatic episode of appendicitis and a burst appendix in my sophomore year in which I nearly died, and how these experiences made me want to pursue a career in medicine. Also noting that I received high honors in all of my classes that semester, and that is also when I received my “Peacemaker” social justice award, after and despite missing over a month of school, going through a tough breakup, and having a literal s ho fire that forced us to relocate to the aforementioned community college for the remainder of the school year.
Thanks for reading and sharing thoughts!

I test on the 29th, trying to decide to spend the next 2 weeks "finishing" most of Urefrigerator or my Anki decks (Anking, Mr. Pankow) specifically to aid in filling in some content gaps.
I'm about 50% done with Anking orgo/gen chem and that's it... I'm considering just getting all my new cards out of the way for Anking bio/biochem/equations, and do all new cards for Pankow, then start reviewing whatever cards I needed more work with (figured this will aid in recognition of concepts rather than doing 1,000 reviews every day or whatever). I'm also suspending cards that are really easy to save time. Thoughts on this tactic? Obviously none of this is ideal but it's the cards I've been dealt.
Urmum feels like a more active study method than Anki in my mind, and actually practicing application/reading passages rather than memorization... Not to mention it seems that recent exams are more heavily focused on passage analysis/overall critical thinking skills than pure memorization... I hear more and more people saying the section bank and Urovaries is becoming increasingly more representative of exams than FLs... CARS 2.0, is that a thing? Idk... Any thoughts/advice would help!
In short: Which do you think helped your scores the most (especially for recent test takers), Anki or Urdad?
I'm aiming for 520+ and take my first AAMC FL next week.

Hey all, it’s me Frank Jones again. I wrote that post a while ago about why you shouldn’t be a paranormal investigator and a lot of you liked it. Since settling into my hideaway in the mountains, life has become quiet and I thought about checking in. The plague hit us like nothing and now that everyone is wanting to travel again, I thought to say hi. I want to say thanks to all of you who commented and gave me those weird pointy thingies this social media does. Some of you even figured out my post office box address and sent me letters. I appreciate it (and don’t do it again).
The common strain among your posts was wanting to know if I had ever encountered other things as an auditor. Of course I have but I have been reluctant to tell you because I don’t want to shine some sort of light on all of it or make it sound like some romantic adventure. It’s “pissing yourself” fear all wrapped up in a waking nightmare with a side of gory terror. I am one of the few who actually made it to retirement…if that’s what you could call this life I’m living now.
But, I have nothing else to do really. Carl only visits once in a while when he’s passing through and I cannot risk any other sort of company knowing I’ve pissed off a lot of people…and things. So, I’m back on this internet board and sharing. So many are curious, I thought maybe another story can scare you all straight. This was the first time complacency almost got me and another killed.
This story takes place somewhere in the 90s in a small New England town. It was one of those places nestled along the banks of a serene river, historic brick buildings line the winding streets, their facades adorned with weathered signs that hint at the town's seafaring heritage. A place where everything smelled like either the ocean or decaying fish. I’m not going to specifically name the town to protect the young lady that may still be living there but in the heart of the town, there’s a renowned drawbridge which stands as a testament to the place’s affinity for water. Its ancient mechanisms creak and groan when allowing vessels to pass through the calm waterway. It also had some of the best outdoor markets I had a chance to stop and check out.
I didn’t pass through this part of the country that often as my boss preferred me to do the long hauls across the country but there was a dead haul nobody wanted.I took it cause I wanted a change of scenery. I was already working as an auditor and part of a loose alliance of others who investigated and dealt with any weird things. I actually had a few monsters under my belt. I honestly had the foolhardy idea that I could handle anything out there. God, I was an idiot.
The supernatural never crossed my mind until that evening, stopping to fuel up my red 1992 Peterbilt 379 and paying for the gas with the attendant and restocking up on those beef jerky sticks and coffee.
That was when I noticed her. She was a young woman about in her mid 30s looking like one of the corporate types with the short hair cut and business suit. I would have not paid her any mind if it wasn’t for the touch of apprehension on her face as she talked on one of those new fangled bright yellow Nokia cellphones. Soft strands of chestnut hair framed her face, their gentle sway moving as she glanced around while talking on the phone. As I observed her, I couldn't help but notice the way her fingers trembled slightly, when trying to get money out of her pocket. I’ve seen that type of fear before. So, like a creep, I eavesdropped on her call.
“Yes, it happened again,” she had said as the nickels finally made it to the counter to pay for her snacks. “I could have sworn there was something outside the window near the edge of the forest….no, of course the security cameras didn’t pick up anything. They’re cheap. Ronald was a skinflint when it came to things like this. Hope he’s rotting in hell wherever he is.”
My mind began to drift away, more annoyed I couldn’t get a move on it. It sounded like a problem for the police and if anything, I was gonna tell her that. It was what she said next that made me stop and brought back the reality of the world.
“Yeah. like nine or ten feet tall. I’m thinking kids are playing around with scarecrows or something. Won’t come from the edge of the forest and when I check, I can see foot impressions and stuff. I already put in a call to the cops. They found nothing.“
“Did it sway a bit and its eyes seem to glint like a cats or owl?” I asked without thinking.
The look I got from both her and the gas attendant made me realize what I had done. Well, too late now.
“I’ll call you back,” she said quickly, eyeing me as she hung up the phone and slipped it back into her purse.
“You need me to walk you to your car, ma’am?” the attendant asked, staring at me.
Of course, I forgot that The Truck Stop Killer had only been arrested a few years before.
“I’m fine, thank you,” she said, quickly gathering her stuff and making for the door. I slapped the one hundred and seventy bucks on the counter to pay for my diesel guzzler ignoring the change and followed her out but making sure to not move in a way that caused the teenager in the station to call the cops.
“Ma’am,” I called out to her and she turned to me while hurrying up her pace.
“I’ve got pepper spray. Stay away from me.”
“The thing in the woods. You could have sworn you smelled fresh dirt like mulch and it seemed to sway back and forth like it could not keep its balance.” I threw it out there in desperation.
She froze and turned to look at me. Eying me up and down as I kept my distance and angled to head towards my truck.
“How do you know?”
“I…uh…dealt with something like that before. On a job in Canada.”
“Who are you?” she asked, looking at my faded shirt and company logo. “A trucker?”
“I moonlight as a problem solver. Like an auditor of sorts.”
“Who is it?” she demanded, eyes still affixed to me and hand in her purse.
“Better question is ‘what is it?’,” I answered.
I have learned to pick up on the contempt and disbelief from people who hadn’t seen what I have. I was already being dismissed as a whack job.
“You have tracks on your porch you have written off as animals, especially if you own a dog. If you did own a dog, it’s missing. Cops told you it ran away. You got a garden?”
“Yes,” the certainty had started to leave her voice. “A walled garden.”
“And anytime you’re in there, you feel like you’re being watched.”
At that, her hand came out of her purse empty and she approached me with the fear I had seen in her eyes now on her face.
“How did you know?”
“I’d rather not explain out here,” I said sheepishly running my hand through my sandy brown hair that only started getting flecks of gray. “But you got a…pest problem.”
“And you can do something about it? I’ve had exterminators, cops, nature lovers…even a priest.”
“None of those won’t do you any good and I don’t want to scare ya but it’s more active which is not a good sign.”
For a few moments, I could see the indecision in her eyes. The desperate want to dismiss me as a lunatic but whatever she had heard or seen won over.
“Fine. You can follow me to the house.”
“Mind if I hitch a ride?”
The woman started but then looked at my truck. “Promise. I mean you no harm. I really think you’re in danger.”
That was when I found her name was Isabelle Walker.
We left my truck in long-term parking after she told the attendant that I was a long lost relative and that’s why the change of demeanor. I don’t know if he believed her but at that point, I don’t think he cared. I left my truck with its metallic frame standing tall and proud amidst the rows of other vehicles.
I did not realize how desperate this woman was until we got going on the road. I had loaded myself in the passenger seat after pulling out my military backpack from the war which I also used for my auditing services and tried to look as harmless as a man of my stature could.
For the first fifteen minutes of the drive, her focus was on the lonely road, those beautiful eyes darting to me anytime I shifted my weight. I didn’t want to scare her so it was her that spoke first.
“What is it?”
“I really don’t know but the people in my profession call it a Bone Walker.”
The nose crinkled in disbelief.
“Halloween is not for a few more months, Mister…”
“Jones. Frank Jones.”
The James Bond reference caused her to snort in amusement.
“I don’t know what to tell ya, ma’am, except I’ve dealt with some pretty scary things out there. Normally I’m never this forward as most people try to call the cops on me or dismiss me as a lunatic. I mean, I could be a lunatic but I know what I’ve seen.”
“And that is…?”
“You know. Ghosts, vampires, werewolves. They’re real. They’re not common but real nevertheless.”
“Really?”
There was still the disbelief in Isabelle’s voice but I grew to ignore things like this.
“Sure. I mean, think of all the things you experienced and be open to alternate answers.”
Isabelle was quiet for a few minutes and then sighed. “Either you are telling the truth or you're the biggest liar and I’m a fool that’s not going to live through this night.”
“I promise,” I tried to reassure her. “I’m not going to hurt you.”
After a few more minutes and off the main highway, we approached her home. The large house stood resolute amidst the dense, ancient forest, its weathered exterior a testament to the passing of time. It was a grand structure, its imposing presence commanding attention. The sprawling estate exuded an air of mystery and faded grandeur, as if it held stories whispered through generations.
As we pulled in, the main house loomed before me, its facade adorned with intricate woodwork and worn stone. Ivy crept along the walls, weaving an emerald tapestry that hinted at the passage of years. The windows, framed by elegant yet slightly cracked panes, stared out into the world with a mixture of curiosity and melancholy.
To the side, a large shed stood detached from the main house, its weathered boards echoing tales of forgotten tools and lost endeavors. The wooden structure sagged under the weight of time, its roof covered in a patchwork quilt of moss. Inside, shadows danced amidst remnants of a bygone era, rusty equipment and dusty shelves attesting to the once-bustling activity that had long since ceased.
Not far from the shed, a family cemetery nestled amongst the ancient trees. Tombstones, adorned with intricate carvings and weathered inscriptions, dotted the landscape. The hallowed ground exuded a solemn tranquility, as if time stood still in reverence for those who rested eternally in its embrace. Wisps of fog clung to the grassy knolls, lending an ethereal quality to the sacred space.
At the far end of the property, an old walled garden stood as a testament to the house's former splendor. Once vibrant and lush, the garden now appeared overgrown and untamed. Stone paths meandered through a sea of tangled foliage, leading to hidden nooks and forgotten corners. Dilapidated stone benches, adorned with intricate carvings, sat scattered throughout the garden, silent witnesses to a time when laughter and conversation filled the air.
As I stood amidst the silence of the forest, the house, shed, cemetery, and walled garden formed a tapestry of history and mystery. They were a testament to the ebb and flow of life, the remnants of a bygone era that clung to the present. Within their weathered walls, secrets whispered and memories danced, waiting to be discovered by those who dared to venture into their enigmatic embrace.
“Great place to be haunted, huh?” she said with sarcasm. “My ex left it to me in the divorce. Was only going to be here long enough to sell it but no one wants it and my job wants me to move to this state anyway.”
“Where are you originally from?”
“California.”
“So, this is definitely a change of scenery for you,”
Isabelle only hummed back at me as she fumbled for her keys in the dying light of evening. I pulled my backpack closer to me as my eyes scanned the treeline where the shadows had begun to deepen. Nothing stood out against the silhouettes of ancient trees which was a good sign. I wasn’t too late.
Stepping through the weathered front door, I entered the interior of the old house, greeted by a mix of nostalgia and faded elegance. The air carried a hint of mustiness, a reminder of the countless years the house had to have witnessed. As my eyes adjusted to the dim light filtering through the stained-glass windows, I could make out the clash between old decor and the modern furniture Isabelle had bought.
The foyer, adorned with a worn, threadbare rug. The walls, once adorned with portraits and intricate wallpaper, now bore the markings of time's passage. The wooden banister of the grand staircase, polished with use, creaked softly under my touch as we made our way towards the living room.
Moving further into the house, I found myself in a spacious living room. Large, ornate windows which would have allowed slivers of daylight to filter through the heavy velvet curtains. The walls were adorned with faded wallpaper. An aged fireplace, its stone mantle adorned with trinkets and old photographs, served as the heart of the room.
“You want some coffee?” Isabelle asked, throwing her keys on to the coffee table. I sat down on her couch and dropped my backpack on it with a clunk.
“Sure.”
“Sugar?”
“A lot.”
The kitchen light clicked on and I heard her moving about setting up the coffee pot. The adrenalin was now pumping through me as my mind raced. I’m not going to go into a lot of detail on what a Bone Walker is but it’s a creature that usually haunts the western coast. It being so far out east was strange. I pulled out my old gun bag and unrolled it. My Stevens Model 520-30 “Trench” shotgun was the first thing I reached for as I popped open the internal pouch holding he high flash shells I was glad I packed. It was the startled sound from Isabelle that made me quickly look up.
She stood there with my coffee, eyes locked on the shotgun in my hand. I slowly held up one of the cartridges I was planning to load.
“Flash powder shotgun shells. No load. Just makes a loud noise and a bright white light. What we’re facing lives in the shadows and hates light…normally,” I had heard stories that they could strike in the day but it was extremely rare. She didn’t need to know that.
“Oh,” was her quiet response. “Do…do I need a gun?”
“You know how to use one?”
“No.”
“Then it’ll do more harm than good. You got any flashlights?”
Isabelle nodded mutely, the gravity of the situation sinking in at the array of weapons and items in my pack laid out in front of her.
“Go get them.”
While she was gone, I quickly unloaded the silver bullets out of my Makarov pistol (a gift from a Viet Cong officer and a story for another time) and placed normal 9mm rounds in the clip. I had it holstered under my jacket with the two back up clips when she returned with three cheap flashlights.
“One in your hand and one in your pocket.”
“Why?”
“In case you drop the one you are holding.”
The woman obeyed silently.
As night fell quickly around us, I slung my shotgun over my shoulder and with Isabelle close, we made our way upstairs. There were tell tale signs I needed to check as the only advantage I had over this thing was the fact it stuck to a pattern. If it was at the stage I thought it was, there would be signs.
“Which room is yours?” I asked.
Isabelle pointed to a door down the hallway across from a large window. Approaching it, I quickly shined my flashlight at the mahogany door frame. It was the glint that caught my eye. Deep gouges in the wood.
“What’s that?” she asked.
“Claw marks,” I responded. There was no use sugar coating anything now.
“This thing was in my house?” Isabelle said horrified.
“For the last few weeks now,” I said, my nose picking up the faint odor of dirt and mud.
“Why didn’t it attack me then?”
“It wasn’t time.”
“What?”
Talking was going to be the only thing to keep her focused. I had felt the world shift a bit as night fell and I needed her not to panic.
“Bone Walkers are ritualistic creatures. They are very choosy over their prey. It can take a month or two before they move in. That’s why they are so hard to catch.”
“Criteria? Like what?”
“We don’t know.”
That was the honest truth. The only reason we knew their existence and patterns was thanks to blind luck and people surviving their encounters. I showed my light around looking for other signs. Discolored stains in the corners where shadows would naturally form, healthy moss and mold that shouldn’t be there. I found a patch around her bed. She did not notice and I did not want to tell her that it probably stood over her through the night watching her sleep. The sooner I buried this thing, the better.
“Frank!”
There was a trill of terror in Isabelle’s voice and I immediately looked to where she was. The woman was standing by her bedroom window staring out at something. I quickly moved and spotted what she saw. In the forest, at the edge of the shadow cast by the moonlight was an almost, imperceptible form. It stood nine feet, hunched over like a broken scarecrow, its owl like eyes staring back at us.
“Shit,” I muttered. Thank god we had turned on the lights as we went.
It was the flash of light and the crack of thunder that heralded the arrival of the storm. The lights of this old houses flickered which caused my belly to flop a few times. My brain was on fire as I glanced back from the lightbulb to where the creature was and found it had vanished.
“Where did it go?”
I did not have time to explain as another crack of lightning caused the lights to dim. I grabbed Isabelle roughly by the arm and yanked her back down the hallway towards the living room where I had left my stuff. We barely made it to the living room when the lights dimmed low. I grasped the glow sticks out of the bag, cracked a handful and scattered them about, their bright yellow light beginning to glow. The power then went out bathing us only in the eerie glow of the emergency lighting.
As we waited in breathless anticipation, the storm struck, its wrath manifesting in torrential rain. The mansion seemed to respond, succumbing to a power outage that plunged us into an abyss of blackness only moments before.
A trill of terror coursed through me. I knew this Bone Walker thrived in darkness, using it as a cloak to conceal its malevolence. We auditors were not sure if it actually teleported or it preferred to move in pitch darkness. I just knew that the black was our biggest threat.
For a few moments, we could only hear the ragged breathing of the two of us being drowned out by the pounding rain against shingle and glass. Isabelle had wound her hand into my jacket pocket and was gripping it tightly, I could feel her shaking with terror. I kept my shotgun gripped tightly in my hand listening for the tell tale sound of its arrival.
It was the movement out of the corner of my eye and the fact her grip got tighter on my jacket. I swiftly turned on my high-powered flashlight as I spun around and the brilliant beam pierced the obscure corner of the room. No matter what I had read or seen before did not prepare me for what I saw.
It stood there in the corner, its eight foot height engulfing that section of the house. My eyes strained as it appeared the thing was struggling to stay in focus. Its arms were too long for its body, spindly and almost to the floor while the legs appeared backwards giving it a strange forward leaning look. It wore a hunter’s long coat and trousers but through the rips and tears I could make out something squirming and moving underneath. The air filled with the stench of decaying plants and diseased vegetation. Its face was covered with what looked like the remnants of a cheap bandanna but its owl-like eyes gleaned back with malevolence.
Isabelle whimpered, her fear palpable in the room and the Bone Walker lunged toward us. Even though my fear was ripping through me like an unstoppable train, I had the sense to pull the trigger of my shotgun aimed in its direction. The flash and resounding roar painted the entire room in a brilliant black and white shadow causing every corner and edge to appear thick and vivid. The creature screamed and fell to the side into the shadow not illuminated by the weapon’s fire.
Isabelle had thrown herself on the couch and was huddled there, trembling with terror, while I moved quickly to crack a few more glow sticks and toss them into the dark corners of the room. In one, I saw its foot recoil back into the kitchen where it was darker than night itself. This was quicker than I had anticipated. The plans I had been formulating on the drive were no longer viable. I wanted to lure it to where I controlled the battlefield but that was not an option anymore. This had become a cat and mouse game and I knew this was with a predator I could not even hope to understand and had years to hone.
Out of the kitchen again this thing charged forward, relentless in its pursuit, it was trying to find a way around my light barrier which only appeared to slow it down. With shaking hands, I fired several more rounds, each blast forcing the creature to retreat and the girl to scream in terror. As soon as it retreated to a dark part of the house, I turned to where the woman of the house had been. To my horror, Isabelle's fear had gotten the best of her. In that moment of panic, she darted from the safety of the light, towards the hallway and the door outside.
“Isabelle! Stop!” I yelled trying to command her back with my voice but I doubted she heard me. Between the abject horror and the relentless rain, she was going to take her chance. A chance I knew she did not have.
I only took a step when I sensed it. The musty smell of an organic landfill overwhelmed me as the form silently darted past me, its long arm clobbering me up the side of the head. The world spun as pain burst through my brain. I felt the world tilt and fall heavily to the ground, flashlight and shotgun falling away.
As I slipped in and out of consciousness, I knew I was a sitting duck for this thing. There was no way for me to stop it from ripping me to shreds like some of the corpses I had seen. As I blinked, I came to my senses and realized I was alone. How long I had actually been on the ground, I did not know.
I sat up, my head pounding and I could see the door hanging open, the wind slamming the door on its hinges and the rain soaking the hallway floor. Struggling, I found my flashlight and gun and pulled myself together.
There was a slim chance that Isabelle was still alive. I had to think. Where would it go? I ran all the stories I could think of and then it hit me. The garden. The walled garden.
I charged into the rain-soaked night. I sprinted toward the enclosed garden at the edge of the property. As I grew closer, I saw that the rusted door was open and hope flickered in my soul. As I came to a stop, I brought my flashlight up again with my shotgun and saw it.
This creature stood there in the middle of the overgrown garden, its massive clawed hand wrapped around Isabelle’s chest and holding her up. Out from under its bandanna mask, putrid vines had appeared and led up to Isabelle’s face where they were forcing their way down her throat and up her nose. I could see the wide terror in her eyes as vines were snaking their way around her waist and I did not want to think about what they were planning to do.
I brought up the shotgun again and fired. Knowing that I had distance, the flash of light caught the creature by surprise. It shrieked as it fell back. Trying desperately not to release its prey. I did not hesitate to grab the machete at my side and hack at its arm until Isabelle fell down free of it.
It’s claw swiped at me striking me on the leg and easily tearing through my pants leaving bloody lacerations but I put the weapon point blank and fired another round. I do not know if it was the flash, the combination of the creature, or that the almighty above was looking out for me, but the creature caught ablaze from the spark.
It fell back swinging wildly as the fire spread unnaturally fast catching the plants around it on fire. Within a matter of seconds, the walled garden had become ablaze with the bone walker in the center. As I ripped the vines out of Isabelle’s mouth and dragged her towards the door, I looked up to see those owl-like eyes looking at me with such abject hatred that the look stick with me today.
I honestly don’t know how we survived. I had helped Isabelle to her porch and we both passed out against our will from the sheer terror and exhaustion. We were awoken by the sound of a siren. The lights had come back on sometime in our sleep and the rain had drifted off to a comforting drizzle. The fire was still raging in the garden but contained by the ancient walls. At least two fire trucks, an ambulance and cops were flying up the private road towards us.
This entire hunt had been ill-planned and stupid. I knew it. As the cops approached with their hand on their pistols, I knew that I had allowed my own ego to get in the way. I should have taken Isabelle somewhere else until I had done a proper reconnaissance. I shouldn’t have taken her home where it was waiting. And now, the cops were looking at two thoroughly soaked humans, one a trucker with a wound and a gun and a young lady in distress. I was pretty sure I was going to go to jail.
“Isabelle?” One of the cops and his voice caused her to sit up, relief washing over her.
“Derek!” she wailed. “We were attacked! In the garden!”
Another two cops that had arrived had taken off in that direction while Derek helped the girl up and took her towards the ambulance. The other cop with a comically large mustache looked at me with keen eyes, his hand still on his pistol, sergeant stripes glowing in the light.
“Attacked?”
“Yeah,” I said, sitting up slowly and keeping my hand away from the shotgun and trying not to show the one under my jacket. “Someone came after Mrs. Walker. They were in the garden.”
The cop watched me closely but there seemed to be a recognition in his eyes.
“You by any chance Frank Jones?”
My heart jumped and I must have looked startled as the cop’s face broke into a smile. To my relief, his hand fell away from his holstered sidearm.
“I’ll take that for a yes. My guess is you don’t remember me. Clay Wilson. Santa Fe PD, about six years ago. You helped my partner with a...problem. Nellie Nelson?”
I knew the name but the face escaped me.
“She told me you helped her audit a police union building.”
“Ah, yes,” I said, remembering dealing with the wraith and the twinge in my right arm from it’s bite.
The cop looked towards the fire that was slowly being put out by the fire fighters.
“Any chance this will be one of your audits?”
“Yeah.”
He seemed to think for a few minutes and then nodded.
“Then I think you need to grab that shotgun of yours and hitch a ride with me before too many people ask questions. Whatcha think?”
I nodded. I was not going to look a gift horse in the mouth. I collected my stuff quickly from the living room and made my way back out where he was waiting. As I limped with the cop to his car, I looked towards Isabelle who was being held by the other. She gave me a look of thankfulness as the cop looked at his partner with confusion.
“Her brother’s got her,” Clay said, opening the back door for me. I was not gonna argue or fight. If he took me to jail or not.
And that was it. My leg was not as bad off as I thought and wrapped it in the back of the police car. Clay only asked where I wanted to go and he took me back to my truck. With that time, I was back on the road with that small town in the rear view mirror.
I never did find out what happened to Isabelle after that, if another creature came looking for her or if she had a chance to live in peace. I just knew that we both barely made it out alive and that was due to my own stupidity. I was furious with myself for weeks after that and told myself I wouldn’t put another person in jeopardy like that again. At least, despite my idiocy, another life was saved and another monster was put in the ground...I hoped. I never did find out if they found a body.

I’m with RBC and I have a FHSA set up. The person I talked to at the bank seemed confused about whether you could move money from an RRSP to FHSA just yet, saying they could potentially be waiting on more forms from the government. I wanted to confirm here as I’m hoping to buy a house this month and I’d like to use my RRSP money without having to withdraw it and have it taxed or use the HBP (the money hasn’t been in the account long enough to qualify for HBP).
RESOLVED - Form found at this link: https://www.canada.ca/en/revenue-agency/services/forms-publications/forms/rc720.html

I recently completed a RTW award on ANA and wanted to share my experience to help others with this amazing award. I spent a long time researching before going through with booking --Hope this can help the next person! I did make a few mistakes/learnings along the way hope some can take into consideration. Overall, I spent 125,000 points transferred from Amex MR & ~$950 for 8 segments going East from the US in Business.

Routing

DEN-YYZ-LHR, VIE-BKK-SIN-DPS-SIN-HND-SFO - can paste into GCMap which results in a total of 21,526 mi; within the 22,000 Business Category.
​

Routing	CarrieClass
DEN (Denver) - YYZ (Toronto)	AC (Air Canada) / Economy
YYZ (Toronto) - LHR (London)	AC (Air Canada) / Business
VIE (Vienna) - BKK (Bangkok)	BR (Eva Airways) / Business
BKK (Bangkok) - SIN (Singapore)	SQ (Singapore) / Business
SIN (Singapore) - DPS (Bali)	SQ (Singapore) / Business
DPS (Bali) - SIN (Singapore)	SQ (Singapore) / Business
SIN (Singapore) - HND (Tokyo)	NH (ANA) / Business
HND (Tokyo) - SFO (San Francisco)	NH (ANA) / Business

The total portion of my time is about a month, with a majority of my time spent in Europe between LHR and VIE, a small portion of time in Bali to break up flights, and about a week in Japan before flying home.

Research Process

I had been targeting Spring/Early Summer 2024 for this award for awhile but hadn't nailed down a particular date. I wanted to travel during shoulder season to maximize value, crowds, and decent weather across these regions. I was just waiting for the award calendar to open up for most of the carriers. I started looking about a month out (April) and doing some random searches/looks to see what flights were coming available and possible routings. In my research I found that most flights leaving from the US to Asia booked up fastest right after being released at the edge of the booking window (ex: ANA opens up bookings on its metal 355 days out; and within say 3-4 days of release most of these flights are snatched up and go into Waitlist status in Business). I had originally been planning on flying West from the US and starting in Asia, however, after doing a few mock bookings this soon became apparent it would be near impossible (Especially since Japan in spring is peak season with the Cherry Blossoms, festivals, etc). I would occasionally find a random flight departing from the US to Asia within a month of the edge of the booking window; and try to plan flights around that going westward, but it would disappear extremly quickly and my plans would be spoiled. As a result I found for this time of year it would be easiest to go east from the US through Europe first, and then ending in Asia and snatching my return flights at the edge of the booking window when ANA's flights opened/other carriers.
I would definitely recommend being flexible and don't have your heart set on going one direction originally due to concerns about time in the Air vs. Jetlag etc. I had been reading a few articles/discussions about the best direction to take and really had my heart set on going westward originally; but would say after going through this process to ignore choosing a direction initially and try to do a few samples in either direction to see what is easiest. I think I wasted a-lot of time/frustration originally trying to go westward rather than just seeing what was easiest with the most connection opportunities.
Another research point is that domestic US Business availability/North America is extremly hard to come by. United basically was only offering Economy segments domestically; I didn't see any J fares. AC Departures from US up to Canada was nearly the same thing. I did randomly see consistent J availability from SMF - YVR on a CRJ AC was offering nearly every day, and from ORD on a few dates but didn't think going out of my way was worth it. It was at a bad time and on a relatively undesirable (IMO) CRJ so I could see why that route had wide open availability. The problem was once you made it to YVR; you usually had to connect to YYZ or YYC internationally and I had the same issue finding J space domestically in Canada; so it was a dead end. I ended up just booking my first segment in Economy on AC up to Canada - didn't want to waste valuable hunting time looking for a short segment in J domestically when the biggest fish looking for space was internationally. Don't obsess over having every segment in J especially your first flight. If space opens later you can always switch into a higher class on the same flight.
For research and booking I used FlightConnections to get routing ideas based on Star Alliance carriers. I then used United's monthly award calendar (without being logged in) to see Saver availability, and then confirmed this on ANA's website. I was going to use some other tools but didn't find them useful. I paid for a day trial of point . me but found it slow and cumbersome without the filtering I needed. I didn't find Aeroplan that useful either. If I was to do this again I would explore paying for ExpertFlyer Pro and using that to search more easily.. would have probably been faster. The trial wasn't long enough to be that useful for when I was researching/booking, but it did give me some ideas - and looking back I would have easily paid for a month or two of Pro Membership to speed up my searching. Overall though, I just stuck to FlightConnections + United + ANA confirmation.

Booking Process

The time had come to where the edge of the booking window was approaching the dates I wanted. I had a few routings in mind and had saved multiple variations targeting the 22,000 mileage cap. I had a few options but nothing nailed down; so I started the process to transfer 125,000 points from Amex to ANA. Even though as a "best practice" most say to not transfer until you have the flights chosen or held, I had read some conflicting points online stating ANA does not do holds, so didn't want to risk this. I was confident based on my research I would be able to piece something together as I had a-lot of backup options chosen. I attempted to transfer late on a Friday afternoon online but got the message the transfer was unsuccessful and had to call Amex; did that early Saturday morning and they completed the transfer for me manually. Turns out I didn't have a "Call Center Pin" setup; so make sure you go into your account and set one before trying and the transfer online should go through, according to the agent. This ordeal added to my stress during the process -- if you are going to be transferring MR please make note!
I was on edge waiting for the points to deposit the entire weekend, and kept tabs on my various options. US - Europe had a-lot of options on AC; and I also had a few backup options on TAP. The "riskiest" flight for me was VIE-BKK as I really needed to get out of Europe to Asia; and there weren't many options since I was booking really close to the edge of the booking window. I couldn't see any long haul availability on Turkish/Ethiopian/other European Star Alliance carriers; so I was pretty much banking on EVA with my backup as Egyptaiothers. I noticed that Singapore seemingly doesn't publish any saver J availability to partners on long haul flights; but it does have pretty decent availability in J on short haul interasia flights. It seems like the cutoff is around 4.5 hr; but found good availability from some cities in India and even Dhaka in Bangladesh to SIN I could have used to connect to with a mix of EgyptAir / Air India / Singapore if EVA didn't work out but honestly this was a last resort and I didn't want to; but at least I had a plan. During the weekend my original VIE-BKK flight selection disappeared; but luckily they had another flight the next day I was able to book into instead. They also had other options within Europe I could have fallen back on like LHR and AMS. I didn't want to depart from LHR unless absolutely necessary as the UK Departure tax would have been ~200 pounds; something that can be avoided if possible. Definitely look into 5th freedom routes for "hidden gems"; I know Ethiopian offers some too. Apart from this; within Asia there were alot of options, and I wasn't concerned about getting back to the US from Japan because I was purposefully booking on the edge of the booking window for ANA to ensure I had availability.
Points were finally deposited early Monday morning sometime between 1am - 9am EST. I saw them in my account when I woke up early which was perfect as I was targeting calling the ANA Call Center around then, some posters online had said calling around this time resulted in the shortest wait. I waited about 1.5 hours and got a nice agent who helped me. Of note; when I called the very first thing she confirmed was my point balance. It seems like they won't even entertain booking something for you (or at least this agent in particular) if you have 0 points; so I am glad I transferred my points before. She was very helpful in quickly researching and confirming the flights -- at the same time I was on the ANA website with the multi city booking tool confirming the space was there too alongside her. She questioned at first about me backtracking by going from SIN - DPS - SIN but realized I had to do this to connect with SIN - HND as there weren't any direct flights from DPS and was fine with it. At the end of feeding her the flights she said the routing I desired was greater than 22,000 miles (~23,5000 miles) and would trigger the next bucket to be 135,000 points -- my heart sank.
This is where my mistake came in... Originally I had 2 inter-european segments, and also wanted to fly from HND - IAH instead of HND - SFO. The entire time I had been researching with gcmapper to get the distances; I had been using nautical miles (nm) in the calculations rather than statute miles (mi)! The nautical mile calculation had been below 22,000 so I thought I was in the clear the entire time. The agent was super helpful and understood my mistake and I did some research in the background for a few minutes. I ended up dropping the inter-european segments and switching from HND-IAD to HND-SFO which made my routing 21,526mi which was below the 22,000 threshold according to gcmapper. She came back to me and quoted 21,523mi, so we were pretty close in our distances after this... 3 mile difference hah. Disaster averted.
After she confirmed all the segments had availability she put me on hold and calculated the taxes and fees ~($950). The majority of the taxes and fees were from the 2 ANA segments at the end of my trip; with fuel charges. I got sent to an automated phone system to input my card info, and returned back to her (don't hang up!). She told me that she had to have the fare desk ticket the itinerary and I should be getting an email or callback. Sure enough ~2 hours later she called me back and said I had to re-enter my card info as they had some issue with their system; the flight hadn't yet been ticketed. I took the opportunity to change one of the segments during this callback to a better time I had found and she helped me change it since It hadn't yet been ticketed -- I was flustered on the first call when she said the milage was too high.
Something interesting I noted is during the time between calls I was able to see the reservation on the ANA App; and an alert said "Complete Payment by *date*" which was 3 days from the present. So it looks like technically they will "hold" a reservation for up to 3 days while waiting for card payment. It sounded like the Agent was willing to work with me as well when I needed 135,000 points instead of 125,000 points; but I didn't want to spend more or risk the timing with transfers. I wouldn't bank on this at all. Just FYI though. After this second call I got an email about a half an hour later with my receipt and ticket/itinerary and PNR. I was able to select seats and finally relax after the ordeal.
After all of this, I probably spent about 12 hours spaced out during 3 days of the booking process plus my previous research over about a month. Definitely set aside some time for yourself during booking and research.

Change Process

Something I hadn't seen much of online was the process for making a change to an existing RTW booking - I ended up doing this as well, so hopefully this can help some.
About a week after booking I noticed one of the flights opened availability from SIN-HND on ANA at a better time. I was originally flying overnight but wanted to fly during the day to help minimize jetlag, and jumped at the chance. Also I wanted to spend more time in Singapore so this helped. Note you can only change the date + time of a flight; it must be the same routing and carrier and class (except you can move up a class if one becomes available and your original ticket allows for that class). I called around 2PM EST and it only took about an hour to get through this time. The agent simply told me I would owe the difference in taxes/fees for the change. There wasn't any penalty or call center charge assessed for this. I had read somewhere that apparently you'd be charged a 1,000 point fee for the change but this wasn't the case for me. The difference amounted to some small amount around a dollar or so which I happily paid. The agent shared something helpful to me -- she asked I save a card on the ANA website to my account rather than doing it on the phone. This would help the Fare Desk charge faster without needing to call me back like last time, I guess they have issues with their credit card system on the phone with some credit cards. I ended up doing this with her on the phone guiding me and she confirmed she could now see my card. The change ended up going through an hour later with a new ticket/itinerary and recipient emailed to me; no second call necessary.
According to the fare rules denoted on my PNR; you can do a similar change with date/time only up to 4 days (96 hours) before departure - also during the trip itself I believe as well. (full endorsements/restrictions on the ticket: NO MILEAGE CREDIT/NH FFP/NON END/RRT/DT CHNG UPTO 4DYS B4 NEW FLT)

TLDNeed to know Tips

• Successfully booked ANA RTW in Business at 125,000 points transferred from MR ~950 in taxes/fees. ANA was the culprit for majority of costs with fuel surcharges on 2 segments I flew.
• Don't have your heart set on going a particular direction upfront - go with what is easiest to book, and be flexible!
• Make sure you have Call Center Pin set in Amex if using MR before transferring to ANA to avoid issues.
• ANA seems to not hold for RTW for point transfer time if you have no points; I was asked upfront if I had the points before the agent would assist me. I had to transfer before.
• You can store a card online in ANA's system before calling which can help the Fare Desk/agent speed up processing to avoid callbacks/payment issues. You can store up to two cards. They were willing to hold itinerary up to 3 days awaiting card payment, and possibly for more points (but not with 0 points in my account) - did not test this. Use this info at your own risk. I wouldn't bank on it with points -- risky.
• Used United's award calendar without being logged in + FlightConnections; consider paying for ExpertFlyer too, also be savvy about the booking window(s) of carriers and book against the edge for the best availability especially with ANA.
• When calculating distance with gcmapper use statute miles (mi) not nautical miles (nm)!
• You can change flight(s) after booking as long as its simply a date+time change - no change in routing/carrier. Class change upwards is allowed if your original ticket allows for it. I was not assessed a penalty/fee for the change like some claimed online - could depend though.

I hope this was helpful - pardon the length - just wanted to be as detailed as possible and give back to the community after all the help I received. Since this is all fresh in my mind please feel free to ask questions and I'll try to answer. I sincerely feel all the effort was worth it for the value I received - best of luck booking!

Timestamps: https://imgur.com/a/gwTC1l7
Hello all,
I recently upgraded, so I am selling this 6800 XT. Everything works perfectly, no issues.
Looking to sell for $420 OBO.
Local to Sacramento, CA and can travel to surrounding areas, even Bay Area depending on timing.
Thank you for look, please comment and PM for questions, offers, etc.

There was an episode recently that made me think I might need a business account. I rent out my old home, less than $1000 a month. It pays the mortgage and a little more. Right now, I have the rent coming into my checking and then I move it to a savings for safe keeping. I always get the mortgage paid and generally try not to touch the money. But there have been a few instances where I have fallen on hard times and had to take money out to keep myself afloat. $4k emergency fund just can't carry me for more than 3 months. I do have money taken out of my paycheck for taxes. Probably way more than I should, but oh well.
I guess what I am asking is should I use a business account for this type of thing? I don't have a business or anything. I don't really have expenses except for the odd repair every now and again. Everything I need is covered in my mortgage. My goal is to save up and repair a few things that aren't major, but they worry me. Would I need to have a business to open a business account? Wait, dumb question, I work at a bank, of course I would. Is that something I should pursue then? I feel like I am just a small-time landlord and it shouldn't really matter too much, but I am a little concerned.

I use this app called EVERYDOLLAR that helps me track my estimated income and expenses as well as savings. I can connect my bank about to it if I want. I think it’s the best app that has the most useful features for free.

I use this app called EVERYDOLLAR that helps me track my estimated income and expenses as well as savings. I can connect my bank about to it if I want. I think it’s the best app that has the most useful features for free.

I use this app called EVERYDOLLAR that helps me track my estimated income and expenses as well as savings. I can connect my bank about to it if I want. I think it’s the best app that has the most useful features for free.

Hi everyone,
I’m starting the divorce process and I’m looking for advice. My husband and I have been married for 1 year and 7 months to date. We both work full time, I attend graduate school part time (my job pays for school through tuition reimbursement). His earnings are just over twice what I earn. We are in the state of CA. No kids, no shared assets. We are renting. Cars are separate property and I still owe on mine.
Basically we initially tried to agree to work things out ourselves and limit court costs and possible lawyer fees, but he’s being very non-cooperative and manipulative through the process and I think I might have to hire a lawyer after all.
Here’s our situation: - I have student loans (prior to marriage) and a $13,000 personal loan that was taken out during the marriage (in my name) used for credit card debt consolidation. Most of the credit card debt was accrued before the marriage but not all. All student loans are mine from prior to the marriage. - He has no debt. He claims we owe his dad $10,000 which was a loan that he pressured me into agreeing to accept, but it was never in writing and no payments have been made on it for the past six months. Mostly because he’s wanted to purchase other things and pay for fun events rather than pay his dad back. - We have no savings. - We are leasing a house and there is a security deposit associated with the move in - We have some community property in terms of items in the household, valued at around $8000. Everything else was technically purchased while we were dating and living together but not DURING the marriage.
Here’s where I feel I need a lawyer: - He threatened to get us evicted by not paying rent if I continued to live here in a separate bedroom throughout the remainder of the lease. Saying it’s not his problem that I don’t have the financial status to live here. So essentially I’m being pushed out of my home with no time to save up for a transition to a new residence while I assume all of my bills without his support in a dual income household any longer. Almost my entire paycheck goes into our household every time I’m paid, so it’s not like I’m not contributing financially. And my livelihood is made here, so he doesn’t get to just decide I don’t have the right to live where I work. I’ve lived in this town for 13 years and survived just fine without him prior to our relationship. - He’s switching around on what the money from his dad is…. First he claimed that the money was a loan that we owed him (nothing is in writing and no payments have been made in over six months). The money was given to him in cash, deposited into his personal account, and used for purchases when we moved into our house. He can’t prove exactly which purchases he made with the money. Of course I assumed this was marital debt and intended to pay his dad back as part of our financial plans, but then he switched to saying that money is actually a gift/inheritance from his dad to him. And that anything he’s bought with it is his alone and not mine for the taking when I move out. I said I didn’t want the money from his dad from the very beginning, but he pressured me into letting him accept it. Then every month since I’ve been trying to convince him that we should make payments, but he would instead put it off and say “he doesn’t need the money right now we can pay him later.” - Then there’s the issue of the lease deposit, he won’t acknowledge that I’m entitled to half of it because that was paid with the dad loan money so it’s all his (I have no idea if he’s calling it a gift or a loan anymore).
So I’m just confused on what to do and how to move forward. I’m getting approval from my job to temporarily work remote and live with family out of state so that I can save properly since he’s pushed me out of my home. In the meantime he’s telling me I can’t take anything out of the house because it was either bought by him before the marriage or bought using his dad’s money. And he’s also saying I can’t have my half of the deposit back and I can get an attorney if I want to fight him on it. All the while saying I owe his dad for the loan in addition to taking back ALL of my debt and bills.
It’s worth noting that he’s made the home very uncomfortable for me while I’ve been here, removing all of my decorations and replacing with his own, taking over the master bedroom and kicking me out of it, telling me it’s not his responsibility that I don’t have financial means to find an alternate residence in San Diego on a whim. He also initiated the divorce and has refused my requests for us to go to couple’s counseling for over a year. ALSO, throughout our relationship and marriage, I’ve only kept a small portion of my paychecks for personal expenses and shopping, and he allotted himself twice as much for purchasing whatever he wants every month.
Obviously I’m in a manipulative and controlling relationship, I just want what’s fair.
I’m wondering if anyone has been through a similar experience with hiring a lawyer for their divorce and how difficult it is to have the lawyer fees paid for by an uncooperative spouse? If he has his way and we go the lawyer free route, I’m leaving with nothing. I did some research and I might be able to request temporary spousal support since he makes so much more than I do, but I know he will fight me on it.
Only other thing of note is that my husband also gave me a loan for a portion of my credit card debt when we were still dating (nothing in writing, just a transfer to my account) and I began to repay him at that time, once we married he said it’s not something I have to pay him back for anymore because it’s “our” money from now on. But now he’s coming after me to pay him for that money as well. He didn’t even have the amount correct when he was making this demand. He said I would owe him $18K and it was actually $14K.
He’s also trying to convince me not to claim the split of the 401K and pension marital assets. I have these benefits as well (we work at the same company), but because he makes over double what I earn, I would be owed the difference. He called me a leech and said he worked hard for those benefits and it’s crazy that I would go after that.
Fun stuff! Any thoughts and opinions are much appreciated. Is a lawyer worth it? I was hoping we could just get into agreement over splitting these things up as we don’t have much in terms of assets and we haven’t even been married two years yet (together and living together for almost 4).
TLDR: We haven’t been married long and have little in terms of assets and shared debts. But is it worth the expense of a lawyer to defend myself against my husband’s uncooperative demands and avoid letting him push me out with nothing?

I made a post before asking for help and still haven't had any luck. I have a toddler and in desperate need. I have a full time job been there awhile and I also have a side job working on cars. I don't do any drugs other than smoke cigs but not in the home due to my toddler. I'm a very honest hard working man just trying be the best father I can be. We currently stay in a hotel. It's breaking my bank BIG time. All bills we pay currently is
Car payment Car Insurance Day-care Gas Food Hotel storage fee
That's not counting all other bills and the hotel fee alone is $865.93 every two weeks is killing me I'm always broke. I'm looking for a private home owner. Someone willing give me a chance in life and a nice or decent place for my toddler to play. I don't have much money to put down on a place if any however I'm willing work something out for that rather it's fixing something that may need fixed at the home or another home you may own I'm pretty handy with that type of stuff as well. We had a nice apartment we have lived there almost 3 years. We had to move out for the fact I'm a felon dated back from 2010. My record DOES NOT include anything to do with guns, drugs, robbery nothing sexual. My charge has something do with my ex and I arguing. I could've beat the charge if I had the money to afford a good attorney which at the time I couldn't because I was a single father. Therefore I took the charge to be home with my kids. If I had tried to fight the charge with a court appointed attorney I may have lost the case went to jail and lost custody of my kids. I'm looking for a 2 or 3 bed home, mobile home / tralier for around $1500 to $1700 a month or maybe less if possible please. I work at a hospital and and my toddler goes to daycare in West Knoxville so I kind of perfer somewhere in the West Knoxville area so I'm close to the daycare and work. I'm in my 40s I do have bad credit which I'm trying to fix but I can't do that until I find a place to live that's reasonable so I'm able to save money to put towards it. Which my credit is bad only due to hospital bills. So please can anyone help me? Also I do NOT want apartment my toddler has ADHD very hyper active so they have loud outburst that they can't control. Also the last place we did rent from is also willing vouch that we was very good renters never caused any issues stayed to ourself and everything. Thank you all if anyone is able to help. I'm sick and tired of this place and want to see my toddler have their own room again vs a hotel.

Question about CMA (Fidelity Cash Management Account).
I'm currently shopping for someplace to keep money liquid, that I don't want invested in my brokerage account or retirement accounts.
The typical high yield savings account /money market account has shown up in my search, but today, I learned about the CMA account by Fidelity as being another option to keep liquid cash.
I don't have a need to use this as a replacement for my current bank (write checks, pay off credit cards, wire money, transfer, etc). I'm purely looking for someplace that offers a high yield for parking the money, that is also higher than my bank.
​
NerdWallet and BankRate list off: Sofi, Barclays, Citizens, Capital One, Discover and others for being solid choices, around the 4% mark, FDIC insured.
Can somebody explain why the Fidelity Cash Management Account could be the better place to safely park some cash, over Discover, Barclays, Capital One, etc?
Correct me if I'm wrong, but couldn't the CMA might offer some risk/security issues in the following ways:
1) it's co-mingled with your brokerage & retirement accounts, so if that account gets hacked, the other accounts are now put at risk.
2) Only ~2% is FDIC insured but if you want the ~4%, you must invest it via Money Market Fund which is not FDIC insured and you could lose your principal investment, correct?
Thanks to everybody leaving their thoughts!

1. "I messed up a jump skydiving. I was able to correct the situation and pull the pilot chute for my canopy, but I was very, very close to having my reserve go off. The reserves are generally reliable, but it’s still nothing I want to test. Landed fine and then got a very stern talking-to for pulling so low."
2. "Just google 'Levey PCH,' then ask away…I’ll be very surprised if anyone can beat what happened to me. THANK WHOEVEWHATEVER you believe in for Apple, Scorpion, UCLA, and the LA County Fire Department and Sheriff's Department."
3. "Minutes before it happened, I was under the Cypress structure that collapsed during the 1989 Loma Prieta earthquake in California (which was a magnitude 6.9). I was traveling north underneath the double-layered structure and felt creepy and claustrophobic on the brightest day. I raced to get out, as I always did, because I hated being under it. After getting out, I felt like my tire had gone flat and started to weave around in my lane, then I noticed that everyone else was losing control and hitting their brakes too. That was the earthquake. I didn't find out until later about the collapse, and felt like I had been punched in the stomach. I'd never felt so close to death before."
4. "I was rappelling off the top of the tallest building in Bangkok (200 meters, or 656 feet) as a promotional stunt. I was supposed to rappel down to the 10th floor, land on a small balcony, and then traverse over to another building. The wind shear off the building was enough to blow me 20–30 feet away from the side of the building. Picture a spider hanging by a thread in the wind. As I got close to the 10th floor, I noticed that my rope had been cut and no longer reached the balcony, let alone the ground. The rope was about 10 feet short of the landing. So, still blowing away from the side of the building, off and on I waited until I was just above the balcony and dropped the last several feet onto the deck. Super pissed but alive."
5. "Going to school in San Francisco, I got off the bus to get cigarettes and a soda at a liquor store. I stopped at the trash can on the way out to open my cigarettes and soda and walked half a block up the street when a crane fell off the roof right where I'd been standing 30 seconds before. The crane operator was killed, and half a minute earlier, I would have been as well."
6. "Although being an ironworker comes with its fair share of risk, as long as you don’t become too incompetent, things can be safe. But that is easier said than done, seeing as the days are long and the work is physically draining. One day, I was about 60 feet in the air rigging a beam to be lowered to the ground. I signaled the crane operator to 'cable up' (lift the beam), but the beam wasn’t budging. I decided to look down the beam to see what was wrong...BANG! Before I knew it, the beam broke free and came up at my face with about 2,000 pounds of force. It knocked off my hard hat and hit every edge of my safety glasses, missing the side of my face by a quarter inch. I thought I had died, it was so sudden. I should never have put myself in what we call 'the line of fire.' I’ll never forget how close my kids were to losing their father that day because I let my judgment slip. Still gives me goosebumps talking about it."
7. "I got hit by a car and walked away with no injuries. The Sunday before final exams during my last semester of college, I went to the library at 6 a.m. to study. At 2 p.m., I needed a break and started walking back to my car. At an intersection, I stopped, made eye contact with the driver of a car at a stop sign, and started walking across the street on a crosswalk. The next thing I knew, I was up on the windshield of a Jeep Grand Cherokee. He hit the brakes, and I rolled off the hood of his car and landed on my feet. I was so freaked out that I told the guy I was fine and left. Later that afternoon, I went to the hospital to get checked out and had no injuries. The doctor told me to buy a lottery ticket on my way home because I was so lucky."
8. "While I was doing the dishes, my hip bumped the dial on my stove, turning it to ignite, but I didn't notice, so the stove was leaking gas all night. In the morning, I could tell something smelled off, but I have a hard time smelling things, so I just figured it was some old cauliflower rice I had thrown out the night before. To deal with the smell, I lit not one, but two candles, one of which was right next to the stove. Later, after coming back from running errands, as soon as I opened the door, I felt instantly violently ill, like a migraine and the flu all at once. Probably 20 minutes later, I finally saw the knob on the stove and realized what was happening."
9. "One time, I was watching TV in my lounge room and I was sitting on the floor eating. We have a really big TV and we had an earthquake, but I thought it was a train passing by. It wasn't. I ran out of the room as everything started to wobble, and the TV nearly fell on top of me."
10. "I went to summer camp when I was 15, and for our last weekend activity, they took us to Martha’s Vineyard and rented us bikes. Now, I loved riding bikes in the park as a kid but had never ridden in the street. But since 'you never forget how to ride a bike,' I figured I could do it. I headed out and tried to go up a street that was very steep. I started to lose control of the bike, and I fell into the street in between a truck that was hauling a trailer (I fell in front of the trailer). I saw this huge wheel coming at me, and my leg was stuck from the fall. I screamed as hard as I could and hoped it wouldn’t kill me (others told me they heard it a few streets away). The driver luckily heard it and slammed on the brakes; I was scuffed up but otherwise fine. You can indeed forget how to ride a bike."
11. "I got hit by a train. I was living and working at a college that has train tracks running through it and only a stop sign before you cross them at the vehicle intersection. You had to cross the tracks to leave campus. I was headed to the gym in July, and the windows were rolled up and the AC and radio were blasting. I’d crossed that crossing a thousand times, so I stopped a bit, passed the stop sign, and looked right, but the train was coming from the left. Its horn blew, but I panicked when I heard it, so I hit the accelerator but braked immediately. I was already on the tracks. It only hit my front end and dragged me about 200 feet down the tracks. I only had a broken rib, three cracked ribs, and a pretty gnarly cut on my finger. The people at the next crossing probably thought they saw someone die."
12. "My last day of driver’s education class, we were just about back to school. We were all feeling pretty good because we’d passed our tests that day. I was in the rear driver’s seat and had a classmate driving, one next to me, and a teacher in the passenger seat. We went through a green light at LITERALLY the last intersection before school when a car blew through the red light going 55 mph and slammed into us on my side, just a few inches back from where I was sitting. It spun our car into the intersection and kept going! We were all concussed and had to be taken to the hospital, but that was it. When we went to retrieve my bags from the trunk of the wreckage at the salvage yard, the shop owner admitted he hadn’t answered my ringing phone because he didn't think we had survived, and didn’t want to break the news to everyone calling me. Two inches between me and being crushed alive. In driver’s ed!"
13. "I was walking to class one day, and the shortest route went under a viaduct. It had been snowing and melting on and off for the past few days. The viaduct is about 100 feet high, and just as I was about to walk from under it and onto the pavement, a 6-foot icicle fell those 100 feet and smashed into the ground in front of me. Suffice to say, I took that as a sign not to go to my lecture and turned back home!"
14. "I was asleep in the passenger seat of a car on a highway when we flipped going about 80 mph. We rolled a few times and landed in a ditch. Airbags did not go off, and I shattered the passenger-side window with my skull. I literally walked away from it and didn't go to an ER until a few hours later. I literally had a concussion and one teeny bruise on my right arm, but nothing else. The nurses told me that if I had been awake for the accident, my neck would have snapped and I'd have died immediately. Whenever I tell people, they're always stunned — imagine my reaction waking up to a missing side window and a crushed car and being fully functional! I feel lucky every day that I was asleep and still have my life."
15. "There was one time my sister and I were driving down a long road with a huge cemetery. I thought it would be funny to hold my breath because people say if you don’t, the spirits of dead people will haunt you or something. When I held my breath, my sister slowed down to torture me. I was a little annoyed, but at the stop sign at the intersection, this car going really fast didn’t even bother to slow down. They even swerved into our lane, so my sister had to barely dodge. I swear, though, if my sister hadn't slowed down to torture me, we would have been in a bad wreck. Now I’m not annoyed that she did that, I’m lucky."
16. "This isn't dramatic, but it's continued to impact my life on a daily basis. When I was 11, I was playing baseball with the rest of my gym class. We took a time-out to argue about who was batting next, and I stood behind home plate, staring into left field. Play resumed, and no one told me to move. The strongest guy in the class laid down a single...and hit me in his backswing...with the baseball bat...in the middle of my forehead. I suffered skull fractures and a brain bleed. To this day, I have anxiety driven by the traumatic brain injury. The neurologist said that the fact that he hit the ball saved my life. Had he swung and missed, I would have died."
17. "I was in college and I had just finished my last class of the day. It was a short walk to my car that consisted of crossing a pedestrian crosswalk on the street separating the school from parking. On each side of the crosswalk were speed bumps so cars were forced to slow down. At this time of day, a good number of students were getting out of class, and a large herd of us started crossing the street at the crosswalk. There must have been 30 of us. I was stupidly looking down at my phone and was walking rather slowly. I didn’t realize that I was lagging behind. Everyone else was on the other side and I was still in the middle of the street. At the same moment, I noticed a freaking DUMP TRUCK whizzing by in front of me. It was probably 1–2 feet in front of me. Either he didn’t see me still crossing or he didn’t care. After I got to my car, all I could do was sit there in silence for a while and contemplate what could have just happened. Even as I write this, I shudder."
18. "This is definitely not the craziest cheating-death story, but it was definitely scary. I was at a waterpark with my family, and I don’t do well with heat and stairs — something about the combination makes me faint. We went on a waterslide that uses tubes, and it was a long trek up. I apparently was so sick from heat exhaustion, I passed out as I was next in line and hit my head on the tube. If it weren’t for the tube, they aren't sure I’d be alive right now."
19. "It was during Christmastime, and my mom, my little brother, and I all wanted to go look at Christmas lights near the middle school. There was a hill and then a lane where you would wait for the light to turn green and then you had to turn left. Well, the main light had turned red, so it was our turn to go, and thank god my mom checked before going, because if she hadn’t checked, a truck would have hit us, going like 60 mph, straight through the side of our car where my little brother was sitting."
20. "I was 4 or 5, and we were living in Estes Park, Colorado. At that time, I was challenging myself to go closer and closer to a river they have there. I was caught by the current and would’ve run into several rocks and a waterwheel if it weren’t for my cousin, who reached down, grabbed my arm, and saved me."
21. "I survived hitting an elk in the Canadian Rockies and going down a mountain 15 times end over end, stopping 20 feet short of a whitewater river. I gave myself first aid. Doctors said I would never walk normally again and I'd have brain damage. I sent one of them a picture of me with three gold medals around my neck."
22. "In the fall of '15, I was riding my motorcycle to work on a foggy morning. A truck with an enclosed trailer ran a stop sign in front of me while I was driving on a 55 mph road. I was unable to stop, ran into the trailer, and was pinned underneath the trailer, being crushed to death. A farmer was on his dirt bike behind the truck going to meet another farmer for coffee who lived on the corner of the intersection. Once he realized I was pinned, he ran to get his friend and his friend's skid-steer loader. They then used the skid loader to lift the trailer off of me and began CPR. Luckily, right as they started, a sheriff's deputy arrived on scene and took over. I owe my life to those two farmers. If they hadn't acted, I would have died underneath the trailer, as there would have been no way for first responders to lift it off of me (it had thousands of pounds of equipment in it) in time."
23. "I've always been handy with tools and taught myself how to do things; I've been changing flat tires for anyone who'll let me. However, one day when I was about 18 years old, my buddy came over to chill, and he had his dad's brand-new Tacoma. So we chilled for a couple of hours, and when it was time for him to leave, we noticed that his front tire was flat, so naturally, I volunteered to change it (no prior experience with independent suspensions). I placed the jack on the frame and started to go at it — lifted the car enough to take the flat out. But when the fully inflated wheel was fitted, it didn't have clearance. My first thought was to get a second jack. Half my body was underneath the car, putting the jack in, when I heard a creek, and the next thing I knew, the car slipped. The car ended up with the front end touching the ground, and I got a big scrape mark on my shoulder. To this day, I don't know how or why I did not die under that Tacoma."
24. "I lived alone with my dog. There was a hole in my gas heater, so it was leaking carbon monoxide, but of course I didn't know that at the time. My dog woke me up one morning, barking and whining, and I thought she had to go out to potty. When I sat up in bed, I got so dizzy and thought I would throw up. I ended up passing out twice, once hitting my head on the bathroom cabinet, very close to my temple, and once hitting my chin on the toilet seat. I called my boss — the only phone number I remembered at the time. (This was before cellphones.) She called 911 and they came to get me. They figured out I had carbon monoxide poisoning, and I was in the ER for eight hours that day. The doctor told that when blood gases are at a certain amount, the victim goes into a coma, without fail. Mine were more than double whatever that number was. He said no matter how much my dog was barking, I should not have woken up."
25. Finally, "I was at the beach with several of my friends, my sister, and my mom. Mom was sitting on the beach watching us. We were around 11–14, I believe, but no younger than 9. Kind of out of nowhere, we started getting sucked under the water in a rip current. I was being sucked under the pier and slammed my face into the barnacles. We were screaming for help, but at first, no one came. As I was being dragged under the water and coming up screaming for help, I could see people just staring and could hear my friends also screaming for help. Finally, people started jumping into the water to save us, including my mom. She jumped in and instantly got sucked into the current but managed to grab one of my friends. She used her body to shield him from the razor-sharp barnacles."

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Title says it all. My GF and I live in the central valley of CA, where temperatures in the summer can regularly cross over 100 degrees in the middle of summer. A few years ago, we bought a misting system that you attached to your garden spigot and to a fan but quickly realized that only a high pressure system properly fogs the water.
I'm looking for something that is high pressure (something like this) but won't break the bank. $2,200 for a 60 feet of nylon tubing seems a bit steep, but I'm not really sure if this is the norm for high pressure systems.
Curious what other people are using.

I (23F) am almost getting my college degree in Information Technology. I used to play many games as a teenager (really, a lot of games), but I quit because I was so devoted to my studies and had no time. But now that I will finally be done with college, I want to treat myself to a gaming PC (which will cost me around 2500 euros) and have some fun before I get a job and start working. I have a bank account where my mother saved money for me. She intended for me to use it for my marriage or buy a car. But I don't want any of those things.
When I told my sister about the gaming PC (me, my mom and me live in the same house), she didn't react well... She said that I was being childish, that she was very disappointed with me, and that I shouldn't be spending the money my mom saved for me on things she wouldn't approve of. Sure, my mother doesn't like gaming, and it would probably upset her if I spent money on it. There was also a time I played too much and spent lots of money on video games. So my mom doesn't have the best experience with me playing games. But I am not a little irresponsible kid anymore. I know my priorities. And right now I just need to let off some steam.