Marshall and swift cost index 2022

Self-Reliance: Reliance on one's own powers and resources

2014.12.07 10:08 Pachanoi_compadre Self-Reliance: Reliance on one's own powers and resources

Welcome to Self-reliance! This community is a place to discuss experiences, articles, guides, life-hacks and bits of knowledge on how to be self-reliant, we have the aim to increase a bit more our knowledge in different areas. Self-reliance is a broad concept, it is our intention to be a platform of knowledge and educational sharing of skills that may give individuals some sort of independence for their lives.

[link]

2013.04.12 22:32 commission art from fellow redditors

HungryArtists is an online community of freelance artists, designers and illustrators all looking to create custom art commissions for you! Commission an artist quickly and easily, just create an account in minutes and post your request. Artists will start replying with a range of portfolios for you to choose your best fit. Browse thousands of worldwide artists portfolios updated daily, when you find an artist that suits your budget and style just message them directly to get started.

[link]

2012.12.02 21:15 Official Teams of /r/NFL

Rule #1: We win or prevent others from winning.

[link]

2023.06.11 01:59 CheeseBacons Card Review ETR #007 Gemstone of Wrath

4/5 ⭐ Excellent card for the game right now. It cost cheaper than a swift minion for 6 damage. It'll always deal damage even if blockers oppose you. This card is ok to play it early if that's all you have on turn 3. It's really good to play as your finishing move as it'll be damage your opponent didn't calculate for. Play this card and most likely it's gonna be the card you win with. There's always mana you can spare for Gemstone of Wrath in the late game. If you drew all your Mana Potion really late, good news, you can squeeze in Gemstone of Wrath into your plays.
There are so few cards that deal damage to a player directly. The others do so few damage. 6 damage from gemstone is a good amount, it doesn't feel like a do-nothing card not affecting your game board. 6 damage is bigger than playing a Jinn when trying to end the game.
The art is amazing. The gemstone really looks like a powerful and important artifact in the Mythrel world as it should look. In the lore, this thing is the focus of a big story arc. The rock pieces sticking into the red gem look like black obsidian here. They don't look like just dirty rocks like gemstone of life had. They really work because it's not all over the place. I love the jagged end of the gemstone really portrays the dangerous powers it holds.
As a player you can skip this card. It's not a big deal. There are other to focus on hunting down. If you get this card for cheap though or in a pack yourself then yes use it in every deck. As a collector you cannot miss out on this card for your gemstone set to be complete!

submitted by CheeseBacons to MythrelTCG [link] [comments]

2023.06.11 01:55 Proud-Reality-8834 Coaching Opportunities

Assuming nothing changes in the coming weeks, I'll be going on my 5th season as the coach of my current team. It's made up of home school students and some charter school students as well. Recently I was approached by a former coach who is highly respected in my local running community about taking the HC position for one of the local private schools and then contacted by the AD of a large public school interested in hiring me as their HC for XC and Track. I have a scheduled meeting with the AD of the private school and working on getting a meeting scheduled with the public school.
I'm definitely interested in both positions but have become very attached to the runners on my current team. Here are the pros and cons of coaching each team as I currently see it.
Home School Team
Pros

AD gives me free reign to direct the team as I see fit with very little oversight or push back. She trusts I'm the professional with the experience and so far is happy with how I've handled the team. She is even allowing me to cut the 6th, 7th, and 8th graders out of the varsity program in favor of a club style team that races distances shorter than 5k. My state allows MS runners to run varsity, something I've always been against but didn't know what to do about it until now.
The current incoming group of runners is extremely young. 2 upperclassmen (senior and junior), 2 underclassmen (sophomore and freshman), and well over a dozen middle school runners. Most are very eager to be competitive as they get older. They became very hyped when I showed them the Golden State Legends videos on YouTube and want to qualify for NXN.
Safe spaces to run with little to no traffic due to practice location.
a good number of runners have started running indoor and outdoor track on my club team.

Cons

Practices in the fall can't start before 5:30 and have to be done around 7:30. There will be a morning practice again for families that can't make the evenings but this creates unity problems
Parents can decide to place their kids in a public or private school at any time. It's more understandable given academics are more important. It's just hard to generate consistency with the team if athletes are constantly coming and going
Team unity has been difficult to establish and maintain. This cost us our #1 runner from last season. He would be ranked 23rd in the state as a junior if he were to return.
Due to the lack of teammates in their ability range, my returning #1 on the boy's and girl's (siblings) are interested in running with the local public school team
No facilities aside from restrooms. I provide the resistance bands, dumb bells, and medicine balls, among other pieces of equipment for strength training
Pay is based on how many runners join the team and what is available at the end of the season

Private School Team
Pros

Large and established program. Often ranked among the top 30 teams in my state
Facilities!!! Track, weight room, large campus with it's own trails and decent hills
Higher pay
Team is known for great character
Practices can start at 3:30/4 if the temperature isn't too hot. Have to wait till later if heat index is too high
High volume of kids in all ability ranges. Someone to always run and workout with
Team unity always seems high
centrally located near the city but far away enough to be in the country

Cons

Practices may start later and cause practices to be shorter
Private School AD may not allow as much freedom as Home School AD
Shorter season by about 1.5-2 weeks
Unclear dedication level of the runners. No clue if they're interested in NXN, Champs, or other national level running events. In all likelihood, they don't know about those events. Most runners in my state don't know guys run 8k and 10k in college XC
Not sure if any are interested in indoor track. Most do run outdoor track

Public School Team
Pros

In the largest classification the state offers
Trails on campus
Flat area. Great for tempo work.
Higher pay
Among the top 30 teams in the state
Facilites!!! Track and weight room

Cons

Public School AD may not allow as much freedom as Home School AD
Unclear dedication of the runners. No clue if they're interested in NXN, Champs, or other national level running events
Not sure if any are interested in indoor track. Most do run outdoor track
Not sure where the hills are. The area is pretty flat but that doesn't mean there are no hills close by we could run to.
Pretty far out in the country

submitted by Proud-Reality-8834 to CrossCountry [link] [comments]

2023.06.11 01:52 AutoModerator [Genkicourses.site] [Get] RY Schwartz – Coaching The Conversion CTC Circle (10/2022) - Full Course Download

➡️ https://www.genkicourses.site/product/ry-schwartz-coaching-the-conversion-ctc-circle-10-2022/⬅️
Get the course here: [Genkicourses.site] [Get] RY Schwartz – Coaching The Conversion CTC Circle (10/2022) - Full Course Download

What You Get:

Program #1

CTC Launches

(to master your launch and funnel sequences)
10X Launches is the first copywriting program fully engineered to speed up the execution and amplify your results of your emails no matter what kind of funnel or launch strategy you’re rolling out.
It’s built not only for best-in-class launch copywriters…
But for coaches, consultants, course creators, and ANYONE who stands to benefit from nailing down their launch and funnel copy faster and with more genuine impact.
IN THIS TOP-SELLING PROGRAM, YOU’LL GET ACCESS TO:

2 “Core” Modules

That will initiate you into the “Coaching The Conversion™ method, and how to leverage a new, more empowering definition of “direct response” that opens up the floodgates to greater intimacy, empathy, and conversions.

5 “Launch” Modules

breaking down every single phase of your launch or funnel in full detail (including some you didn’t even know existed). You’ll learn exactly what’s at play during the Segmentation & Confirmation, Pre-Launch, Launch, Sales and Closing phases of your funnel and how to quickly craft the messaging that coaches your prospect into the final conversion in a powerful, non-sleazy way.

25+ Email Templates

None of that BS “plug’n’play” or “swipe and deploy” stuff that shoehorns your message into lifeless boxes that robs it of all life and power.
Instead, you’ll get FULL breakdowns and walkthroughs of the go-to templates I turn to over-and-over again in 6 and 7-figure launch campaigns.
Meaning, you get to craft your OWN high-converting launch emails in about 25 minutes flat and fire them into ConvertKit, ActiveCampaign (or wtv you’re using) while your coffee’s still hot.

Program #2

CTC Sales Pages

(to master your long form sales page)
This is it.
It’s where the best paid copywriters, coaches and course marketers on the planet earn their keep.
It’s where the conversion either happens or it doesn’t. In cold hard numbers that don’t care how many Clif bars you stress-ate in the process.
It’s where the most admired online business owners transform interest, desire, and engagement and into what you actually want: Sales.
So what is “it”?
It’s your long-form sales page.
And the truth is… most copywriters and marketers avoid long-form sales pages like the plague… treating it like a close-talking lepper with coffee breath… instead of the 24/7 salesperson your sales page – that final step in your marketing funnel – should be.
So why do marketers (and even pro-level copywriters) avoid sales pages?
Because writing a long-form sales page is intimidating AF.
It’s the Night King of the Whitewalker army.
It’s the Beef Wellington on Hell’s Kitchen.
It’s the Lord Voldemort of your marketing funnel – aka the funnel asset that shall not be named.
A long-form sales page is where you’ll spend dozens of hours writing THOUSANDS of words that will either confirm your claim as a top player in your space…
Or will tell you with Gordon-Ramsay-esque candor that your marketing wasn’t as good as your business coach told you it was.
There’s real pressure in that.
But there’s even real-er payoff in being able to do it faster – and more profitably – than anyone else in your industry. A payoff that even affords you the right to make up words like real-er
Confronting, yep? Conquerable. Absolutely.
In CTC Sales Pages, you’ll go through the exact process I’ve used to write over twenty 6 and 7-figure sales pages for the likes of Amy Porterfield, Copyhackers, and many more.

Program #3 & #4

Six Figure Emails & Seven Figure Emails

(for even more email conversion badassery)
Welcome to the “Johnnie Walker Blue” of our email template series.
This is the premium blend for more advanced marketing palates.
All pulled straight from my highest-performing launches for industry titans like Amy Porterfield, Todd Herman, Traffic & Funnels, and Copyhackers.
What you’re getting are 13 advanced email templates that you can use in a pinch when you need to write a standalone sales email, a webinar invitation, a post-webinar replay, downsell, or flash sale.
To be clear, these aren’t those sketchy and lifeless “swipe and deploy” templates you may have seen swimming around the shadier parts of the online marketing cesspool.
These are loose, flexible templates that guide you through deep-dive masterclasses teaching you the advanced psychology behind each one.
Meaning, you actually understand WHY they work, and are fully empowered to engineer them to best serve your audience.

Program #5

Minimum Viable Launch 2.0

(to quickly rock profitable and lean email launches)
We’ve taken the single most impactful part of 10x Launches; the part that countless students have credited with producing game-changing ROI in record time…
And given it a fresh-for-2022 facelift.
Not only will you be getting access to a stack of NEW templates that we’ve added to the stack based on repeated tests and real-world results.
But we’ll be offering you the one-click automation uploads to bring the whole sequence straight into your ActiveCampaign to save you and your team about 5+ hours of heavy-duty integration time.

Program #6

Application Funnel Amplifiers

(for creating powerful pre-call enrollment experiences)
Fact: The enrollment experience begins the moment your prospect books a call.
If you mail it in for those 12-72 hours between when they book the call — and show up to it, you’re missing a golden opportunity to begin coaching the necessary transformations.
In this brand new program, you’ll learn how we to consciously engineering your entire application experience to pre-empt objections, create magnetism, and stack the odds in favor of having a successful enrollment conversation
You’ll get practical answers to:

When you should be transparent about your pricing BEFORE a sales call
How to strategically structure your application questions in a way that actually coaches your pre-customer into your program (yes, the questions are copy)
What to put on your booking confirmation page to create incredible momentum and a “point of no return” into your program
What tools and systems we use to create a seamless application and booking experience

Program #7

Next-Level Automation & Optimization Stack

(upcoming and ongoing automation tutorials)
As the CTC Membership evolves, our resident Wizard, Philip Powis will be actively adding a library of importable one-click automations (into ActiveCampaign), leveraged software playbooks, and a running list of the most advanced (and cost effective) tools and systems that he recommends for fast-scaling course and coaching businesses.

Courses proof (screenshots for example, or 1 free sample video from the course) are available upon demand, simply Contact us here

submitted by AutoModerator to Genkicourses_Com [link] [comments]

2023.06.11 01:38 ProgLibertarianism Inflation - The journey of a tire helps explain why US household finances are being squeezed

A woman's tire was worn out, she needed a new one. She makes $14.31 an hour but inflation eats a lot of it. ProPublica uses a tire in this story to examine inflationary market forces.
Tires are affected by COVID border shutdowns which prevented workers from reaching rubber plantations resulting in production dropping, extreme weather which shut down processing operations and closed critical roads, fungal leaf disease affecting rubber trees, and a surge in latex glove demand. Russia produces an essential ingredient for tires called carbon black, the second largest exporter, was hit by sanctions for the Ukraine invasion; the price doubled for the material. Rubber futures in 2021 spiked nearly 50% from 2020. Other components, including synthetic rubber, steel wire, and textile cord, all increased in price as well. Roughly half of a tire is made from petroleum, which saw soaring prices in 2022. Many components of tires, and often tires themselves, must be shipped in, and processing of those shipments has fallen behind and increased in price as well
The average prices of tires has risen 21.4% over the past two years, 70% higher than core inflation. A tire which once cost $100 is now $120, which doesn't factor in labor, and often more than one tire is needed. Companies have made record profits during this time.
The woman needed a loan to get the tires, which ProPublica says is common. People are seen selling possessions to pay for tires. Her total bill for two tires installed without warranty was $346.50, more than $40 she paid for two tires four months earlier.
The author of this piece goes on to identify other factors currently squeezing US household finances.
If you want to get to and from work, or do much else in life which requires leaving your home, it often requires the use of tires.
https://www.propublica.org/article/inflation-tires-rubber-imports-high-prices

submitted by ProgLibertarianism to ProgressLibertarian [link] [comments]

2023.06.11 01:34 Nitrothacat “Women are responsible for incel terrorism”

submitted by Nitrothacat to IncelTear [link] [comments]

2023.06.11 00:55 helplessAteverything [OFFER] 3 Free Books - USA only

Hi. I have a TON of books. I love to read, it has always been a comfort and joy. Over time, I have amassed duplicate copies of some books, so I would like to share them with others. These books are used, in read condition (no new books in here). Some have yellowed and wrinkled pages, some may have light writing inside, but they are all well-loved and all are fully readable. Most are paperbacks.
I can only ship to the United States. If you would like to receive a bundle, comment "Me" with which bundle you're interested in. Only one bundle per person. First person to claim a bundle gets it. Please don't PM me, I will PM you for your information. I will pay all shipping and packing costs to send these to you.

HorroSupernatural/Thriller - The Husband (Dean Koontz), The Bad Place (Dean Koontz) and Gerald's Game (Stephen King)
Mystery/Suspense - Devil's Claw (J.A. Jance), The Scarpetta Factor (Patricia Cornwell) and The Lincoln Lawyer (Michael Connelly)
Inspirational/True - the five people you meet in heaven (Mitch Albom), May Cause Miracles (Gabrielle Bernstein) and Treasury of Great Dog Stories (Roger Caras)
Kids/Instructional/Middle School - Grade 8 Test Prep Workbook, Grade 7 Spectrum Science Workbook, Biology for Every Kid (101 Easy Experiments that Really Work)
Farmer's Almanac Specials A (technically, these aren't books, they're more like magazine/pamphlet sizes and there's 5 of them) - Farmer's Almanac Readers' Best Recipes, Farmer's Almanac Everyday Baking, Farmer's Almanac 2023, Farmer's Almanac Weather 2023, Farmer's Almanac Home Remedies and Household Tips
Farmer's Almanac Specials B (technically, these aren't books, they're more like magazine/pamphlet sizes and there's 5 of them) - Farmer's Almanac 2022, Farmer's Almanac Everyday Baking, Farmer's Almanac Traditional American Dinners, Farmer's Almanac Garden Harvest Cookbook, Farmer's Almanac Readers' Best Recipes
Puzzle Books (technically, these aren't books, they're more like magazine/pamphlet sizes and there's 4 of them) - Fall Crossword Puzzles, Folklore-Fun Facts-Traditions, 3in1 Puzzles, Crossword Challenge

Again, please don't PM me. If you are the first person to claim a bundle, I will PM you for your information.

submitted by helplessAteverything to RandomKindness [link] [comments]

2023.06.11 00:54 KyreRoen Curious Details #8: The Aqua-Zip

The Aqua-Zip feels like a dream -- as in it exists, I've used it, and every now and then I remember my sims own two of them for "His and Hers"-styled public disturbances. Yet still the Aqua Zip fades from memory the moment I cease to consider the fact we have swimmable areas in post-Sulani worlds where other features (regardless of their frequency of use) have more "tangible" triggers -- The fish trap, for instance, has the Fishing skill, which links back to my sims' aquariums and the need for plasma packs (it can also be a viable source of Sulani's 'Buried Treasure' collectibles). The Outrigger Canoe is similarly used for fishing, but is also one of the few non-coffin means of repose for a vampire with the 'Sleep Of The Undead' weakness. It's a shame, really, because outside of the Fun motive and music-based moodlets (for both preferences and general proximity thereto), the Aqua-Zip is almost hot tub levels of "frivolous luxury item a sim owns because what else are they going to do with their ludicrous amounts of simoleons?".
That said, the reason I compare it to the hot tub, specifically, is due to the fact that under the hood there's actually a little bevy of features that both sound good on paper and look cool in practice, even though they ultimately fail to be a consistent draw.
The adventure starts with the iLand Beach Shax, a high-tech piece of equipment camouflaged with wooden planks on three sides. Afterwards, sims can select from Fishing skill books, fish traps, lounge chairs and float loungers, beach towels, island-exclusive fruits and roots, and two aquatic vehicles: the Outrigger Canoe, and the Aqua-Zip.
A technological marvel in the world of beach supply vending, with eye-catching colours and kid-friendly imagery.
Whilst the Outrigger Canoe is pretty simple; just "buy and try", the Aqua-Zip is somewhat more involved. Firstly, there are two versions available:

One in a simplistic blue, with white trim ($2,100)

For the everyman who just wants to go from A to Sea.

One with a "Shark in water" motif ($2,500)

For the those who like to live dangerously.
Though these colours can be switched in Build/Buy, and both versions are of the same item, there's a reason the latter costs a bit more -- Whilst in a sim's inventory, the option for "Add-Ons" can be selected, allowing for the vehicle's alteration. Unlike most things in TS4, these alterations aren't done using the Handiness skill, but rather are paid for, similar to the 'Sheeps-In-A-Pod Sleeping Pod' from Get Famous and the rocket ships from the basegame. Alongside other features that act as "upgrades", there is an option to "Change Paint Pattern...", which will change the current swatch to one of 14 options for a fee.

The 7 basic colours with white trim cost $200 each.
- Pink
- Yellow
- Blue
- Red
- Black
- Green
- White

Aqua Rangers, assemble!

The 7 artistic motifs cost $300 each.
- Tribal
- Racing
- Shark
- Clownfish
- Abstract
- Pastel
- Polka Dot

For only $100 more, you too can be \"fancy\".
These are not one-time purchases one can do to have them all available for free, and will need to be paid for each change/change back. Now as for why the Shark costs $400 more (and not $300) is beyond my comprehension, as one would be better off paying the $2,100, then adding the shark motif for a total of $2,400.
Moving on to the other micro-trans- I mean "Add-ons"...
Streamers, lights, music, flames, and fireworks... sounds more like the makings of a live concert, than vehicle additions.
On the "cheap" end of the spectrum we have Streamers, Lights, and a Fireworks Pod ($500 each). All 3 must be enabled whilst riding.

The Streamers are two semi-transparent ribbons that appear on the handlebars.

$500 bucks, folks... let that sink in.

The lights are 3 colours that slowly cycle into one another.

https://preview.redd.it/nraokrhwk95b1.png?width=1920&format=png&auto=webp&s=85a3cb6c3826a31ae833996d9daa63d9abf5050d
https://preview.redd.it/23jy0nhwk95b1.png?width=1920&format=png&auto=webp&s=fbfd38883ff9c250acd3d3300b1b0d339c37fae1
https://preview.redd.it/avq95ihwk95b1.png?width=1920&format=png&auto=webp&s=cd289e6b5633af1abef0e2c7c5bb8ba64e3b134d

The fireworks spew consistently from both sides of the tail (up and to the sides), regardless of whether or not the vehicle is in motion.

What better way to scream, \"WATER HAZARD\", than with fireworks trailing behind you?
The last two add-ons, the Flame Vents and Music Player, each cost $1000.

The Flame Vents spit consistent flames from the two tail exhaust ports, and intermittent flames from the three behind the seat. This must be enabled whilst riding, but works even whilst not in motion.

If you listen closely, the intermittent fire sounds like the beat from the first part of \"Eye Of The Tiger\".

The music player, unlike the rest of the Add-Ons, can be enabled even whilst not riding.
- One can change the station and volume, turn it on/off, and even obtain the moodlets for having music nearby, as well as preferred/disliked music.
- The music player stays on, even after having been put away, and will continue playing once placed in world.
- One cannot dance to the music or "wind down" by listening to classical.

Leave it out with the music on, and perhaps any ne'er-do-wells will be too busy jamming out to steal it.
It's like a multi-ton portable radio.
After one has gone into bankruptcy and everything's enabled, one can be a "terror of the seas" amidst the quiet residential waterside locales. The water is now an open highway.
Enjoy your one-way trip to a meeting with both the Homeowner's Association, and the Conservationists Society.
Curious Details #7
Curious Details #9
Index

submitted by KyreRoen to Sims4 [link] [comments]

2023.06.11 00:52 AutoModerator [Genkicourses.site] [Get] RY Schwartz – Coaching The Conversion CTC Circle (10/2022) - Full Course Download

What You Get:

Program #1

CTC Launches

2 “Core” Modules

5 “Launch” Modules

25+ Email Templates

Program #2

CTC Sales Pages

Program #3 & #4

Six Figure Emails & Seven Figure Emails

Program #5

Minimum Viable Launch 2.0

Program #6

Application Funnel Amplifiers

When you should be transparent about your pricing BEFORE a sales call
How to strategically structure your application questions in a way that actually coaches your pre-customer into your program (yes, the questions are copy)
What to put on your booking confirmation page to create incredible momentum and a “point of no return” into your program
What tools and systems we use to create a seamless application and booking experience

Program #7

Next-Level Automation & Optimization Stack

submitted by AutoModerator to Genkicourses_Com [link] [comments]

2023.06.11 00:44 BlueRiceFarmer Looking for alternative to my Infiniti Q50 (40,000$ budget).

Yesterday I sold my Infiniti Q50 Premium. I been experiencing a lot of mechanical and electrical based issues (car was only 80,000 miles). Now I'm looking for a new car.
Primarily looking for reliability, same rapid performance, not expensive annual maintenance cost (maximum 700-1000$) and for car not to have over 30-40k miles. I'm open to SUV's and sedans, not coupes.
I was considering S5, E350, and 540i. But after thoroughly researching, it's seems like maintenance costs are a bit high and I'm skeptical about their reliability.
I'm currently leaning towards ES350 F Sport. I sat in one before but never drove one (a bit hesitant if it will give me the same swift response as Q50). Additionally, I'm looking at IS350 F Sport, but I'm not sure if my 6 foot, 230 pounds body frame would fit into one.
TLX S Type would of been an ideal car for me based on my preferences, but my budget does not allow me to currently buy one.
Looking forward to hearing suggestions!

submitted by BlueRiceFarmer to whatcarshouldIbuy [link] [comments]

2023.06.11 00:21 EliruleZ [blue] BNIB Cartier Tank Solarbeat Small 100 spots @ $27 ea w no spot limit

Item Name:	BNIB Cartier Tank Solarbeat small size
Price:	2700
# of Spots:	100
Price Justification:	$2673 3/27/23 2022 preowned https://www.ebay.com/itm/204279350838?mkcid=16&mkevt=1&mkrid=711-127632-2357-0&ssspo=ww1pp_fyqao&sssrc=2349624&ssuid=n6QV3YIpQn2&var=&widget_ver=artemis&media=COPY
Price Justification:	$2550 https://www.reddit.com/Watchexchange/comments/w9jn4u/wts_cartier_tank_must_solarbeat_small_wsta0060/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=1&utm_term=1 7/22
Call spots?	Y
Spot limit per person?	No
Location/Country:	USA
Will ship international?	USA ONLY
Timestamp/pics:	https://imgur.com/a/ZDgQcAV
Escrow:	n
Description:	Up for raffle today is a BNIB Cartier Tank Must Solarbeat. Tank Must watch, small model, photovoltaic SolarBeat™ movement. Steel case, beaded crown set with a synthetic cabochon-shaped spinel, silvered dial, blued-steel sword-shaped hands, black strap (made without animal materials), steel ardillon buckle. Case dimensions: 29.5 mm x 22 mm, thickness: 6.6 mm. Water-resistant to 3 bar (approx. 30 metres).

PayPal Info: https://www.PayPal.me/paulmf

Tip BlobAndHisBoy
Number of vacant slots: 29
Number of unpaid users: 21
Number of unpaid slots: 71
This slot list is created and updated by The EDC Raffle Tool by BlobAndHisBoy.
1
2 cfoxtrot21
3 bikesnob
4 LVHeadBartender
5 Bluntwrap
6 vkamat
7 LVHeadBartender
8 vkamat
9 Jubbers98
10 ajkim18
11 ajkim18
12 ajkim18
13 vkamat
14 lawdont-go-roundhere
15 ajkim18
16
17
18 vkamat
19 TheGiggy86
20 cfoxtrot21
21 vkamat
22
23 hurricanes5
24
25 ajkim18
26 bikesnob
27 IroncladKoi
28 GuhBookGi
29
30 bikesnob
31
32
33 hurricanes5
34 jedrs4
35 nate299
36 remrk7
37 LVHeadBartender
38 vkamat
39 remrk7
40 LVHeadBartender
41 ajkim18
42 lawdont-go-roundhere
43
44 LVHeadBartender
45 ajkim18
46 lawdont-go-roundhere
47 bikesnob
48
49 METHPIPE
50 bikesnob
51
52 IroncladKoi
53 cfoxtrot21
54
55 bikesnob
56 LVHeadBartender
57 vkamat
58 vkamat
59 bikesnob
60
61
62
63 ajkim18
64 void_kp
65
66 bikesnob
67
68 Bluntwrap
69 WhatToysRUsDidToMe
70 bikesnob
71 lawdont-go-roundhere
72 vkamat
73 cfoxtrot21
74
75 bobthebonobo
76
77 bikesnob
78
79 LVHeadBartender
80 LVHeadBartender
81
82
83
84 LVHeadBartender
85
86 11b1p
87 lawdont-go-roundhere
88
89
90 deezdeezdeez9999
91
92 LVHeadBartender
93 LVHeadBartender
94 vkamat
95
96 LVHeadBartender
97
98 vkamat
99 ajkim18
100 ajkim18

submitted by EliruleZ to WatchURaffle [link] [comments]

2023.06.11 00:21 ApocalypseYay Goldman Sachs Predicts 300 Million Jobs Will Be Lost Or Degraded By Artificial Intelligence

If generative AI lives up to its hype, the workforce in the United States and Europe will be upended, Goldman Sachs reported this week in a sobering and alarming report about AI's ascendance. The investment bank estimates 300 million jobs could be lost or diminished by this fast-growing technology.
Goldman contends automation creates innovation, which leads to new types of jobs. For companies, there will be cost savings thanks to AI. They can deploy their resources toward building and growing businesses, ultimately increasing annual global GDP by 7%.
In recent months, the world has witnessed the ascendency of OpenAI software ChatGPT and DALL-E. ChatGPT surpassed one million users in its first five days of launching, the fastest that any company has ever reached this benchmark.
Will AI impact Your Job? Goldman predicts that the growth in AI will mirror the trajectory of past computer and tech products. Just as the world went from giant mainframe computers to modern-day technology, there will be a similar fast-paced growth of AI reshaping the world. AI can pass the attorney bar exam, score brilliantly on the SATs and produce unique artwork.
While the startup ecosystem has stalled due to adverse economic changes, investments in global AI projects have boomed. From 2021 to now, investments in AI totaled nearly $94 billion, according to Stanford’s AI Index Report. If AI continues this growth trajectory, it could add 1% to the U.S. GDP by 2030.
Office administrative support, legal, architecture and engineering, business and financial operations, management, sales, healthcare and art and design are some sectors that will be impacted by automation.
The combination of significant labor cost savings, new job creation, and a productivity boost for non-displaced workers raises the possibility of a labor productivity boom, like those that followed the emergence of earlier general-purpose technologies like the electric motor and personal computer.
The Downside Of AI According to an academic research study, automation technology has been the primary driver of U.S. income inequality over the past 40 years. The report, published by the National Bureau of Economic Research, claims that 50% to 70% of changes in U.S. wages since 1980 can be attributed to wage declines among blue-collar workers replaced or degraded by automation.
Artificial intelligence, robotics and new sophisticated technologies have caused a vast chasm in wealth and income inequality. It looks like this issue will accelerate. For now, college-educated, white-collar professionals have largely been spared the same fate as non-college-educated workers. People with a postgraduate degree saw their salaries rise, while “low-education workers declined significantly.” The study states, “The real earnings of men without a high-school degree are now 15% lower than they were in 1980.”
According to NBER, many changes in the U.S. wage structure were caused by companies automating tasks that used to be done by people. This includes “numerically-controlled machinery or industrial robots replacing blue-collar workers in manufacturing or specialized software replacing clerical workers.”

submitted by ApocalypseYay to collapse [link] [comments]

2023.06.11 00:19 dot_mun What is WooCommerce?

WooCommerce, a widely renowned eCommerce platform, has opened doors for businesses of all sizes to create and run a successful online store. As an open-source plugin for WordPress, it offers remarkable flexibility and a vast array of features, enabling you to sell anything, anywhere, in a way that's customized specifically to your business needs. Whether you're just starting with an online business or you're a seasoned eCommerce professional looking to enhance your operations, WooCommerce has something for everyone. In this article, we will delve into the key features of WooCommerce, illuminating the reasons behind its widespread popularity and how it can be a game-changer for your online business.

What is WooCommerce - Explained for Beginners

WooCommerce is a popular, open-source eCommerce platform built on WordPress. It allows you to turn your WordPress website into a full-fledged online store with relative ease. WooCommerce provides a wide range of features out of the box, and it can also be extended through the use of plugins and extensions.
With WooCommerce, you can sell both physical and digital goods in various shapes and sizes, offer product variations, and configure complex shipping controls and tax settings. It also supports numerous payment gateways, including major ones like PayPal, Stripe, and credit cards. Plus, you can manage your inventory and customer orders, apply discounts, and much more.
Moreover, WooCommerce is highly customizable, allowing you to adjust your store's design according to your brand or business needs. It's also SEO-friendly, making it easier for potential customers to find your products online.
While WooCommerce itself is free, running a successful online store may require additional paid services like web hosting, domain registration, and potentially premium plugins or themes.

Key Features:

WooCommerce is a powerful eCommerce plugin for WordPress, packed with a variety of features to help you build and manage a successful online store. Here are some of its key features:
1. Sell Any Type of Products: You can sell physical, digital, or even affiliate products on WooCommerce. It also supports variable products, grouped products, and downloadable products.
2. Flexible Payment Options: WooCommerce supports a wide range of payment gateways, including PayPal, Stripe, credit cards, Direct Bank Transfer (BACS), checks, and Cash on Delivery (COD). You can also extend it to other payment methods with various plugins.
3. Shipping Options: WooCommerce allows you to offer free shipping, flat rate shipping, or make real-time calculations. You can also limit shipping to specific countries.
4. Tax Settings: It provides options for configuring tax settings, including tax classes and local tax rates.
5. Inventory Management: WooCommerce offers comprehensive inventory management tools, enabling you to manage your stock, hold stock if an order is cancelled, hide out-of-stock items, and more.
6. User Accounts and Guest Checkout: It allows your customers to register on your site, making future purchases quicker. However, if they prefer, customers can also check out as guests.
7. SEO Optimized: Being built on WordPress, WooCommerce benefits from the robust SEO capabilities of the WordPress platform. You can use SEO plugins like Yoast SEO to optimize your product pages and other content.
8. Mobile-Friendly: WooCommerce is fully responsive, meaning your store will look and work great on all devices – desktop, tablet, and mobile.
9. Coupons and Discounts: You can easily create coupon codes for your products, offering discounts for your customers.
10. Analytics and Reporting: WooCommerce has built-in analytics and reporting. Graphs and stats of sales, average order totals, total order numbers, etc., can be viewed directly in the WordPress dashboard.
11. Extendable with Plugins: One of the strengths of WooCommerce is its extendability. Thousands of plugins are available that can add additional functionality to your store, such as improved SEO, advanced shipping features, customer reviews, product add-ons, and more.
12. Customizable: WooCommerce is highly customizable, allowing you to tweak your store's design, modify products and checkout fields, and more.
13. Secure: WooCommerce is built on WordPress, which has a robust framework and a strong focus on security. It regularly updates to fix bugs and security issues.
Remember that while WooCommerce itself is free to use, some of these features may require additional paid plugins or services. Also, the cost of a domain name, hosting, and possibly a professional theme should be considered.

Conclusion

In conclusion, WooCommerce is an incredibly powerful and flexible eCommerce solution, offering a plethora of features for setting up and managing an online store. Whether you're selling physical goods, digital downloads, or even affiliate products, WooCommerce has the capabilities to handle it all. Its extensive payment options, shipping settings, and tax configurations make it a highly practical choice for businesses of all sizes. Plus, the added advantages of SEO optimization, mobile-friendliness, customizable design, and its comprehensive analytics and reporting tools make it an all-in-one solution for anyone looking to start or enhance their eCommerce business. However, keep in mind that while the WooCommerce plugin itself is free, there may be associated costs, such as hosting, domain registration, and premium plugins or themes, which you should factor into your budget.

submitted by dot_mun to webdev101 [link] [comments]

2023.06.11 00:16 ApocalypseYay Goldman Sachs Predicts 300 Million Jobs Will Be Lost Or Degraded By Artificial Intelligence

submitted by ApocalypseYay to DarkFuturology [link] [comments]

2023.06.11 00:15 Leixander TOP TEN POP TEN - Beach House

Hello popheads, welcome back to another round of Top Ten Pop Ten!
You can check this thread if you don't know Top Ten Pop Ten is (or if you want to see the rest of the schedule).
The group you'll send a top 10 list for today is Beach House.
Here is a rundown of their album discography as a refresher:

Beach House (2006)
Devotion (2008)
Teen Dream (2010)
Bloom (2012)
Depression Cherry (2015)
Thank Your Lucky Stars (2015)
7 (2018)
Once Twice Melody (2022)

Features, non-album singles, leaked songs etc. are all allowed.
Please read the guidelines below if you haven't participated in TTPT before:

Comment below your top ten tracks from the featured artist(s) in order. Please write the song names correctly, that would help me a lot while calculating the results. If you have comments for songs, leave them before or after your list.
Your list should be written exactly like this if you want it to be included in the results.
Keep in mind that the program reads the comment how you write it, not how we see it. Don't put full stops or commas after the song names. "Don't put quote marks around them," don't style ~~them.~~ Do NOT do this, please. I won't correct any formatting mistakes manually.
The songs in your list gets 10 to 1 points based on its rank. The first song gets 10 points, and the last one gets 1. The results are revealed at the same time as the next TTPT is posted.

Results of Taylor Swift TTPT Re-do are here.
Deadline to send your lists in is about two weeks from now: June 22, Thursday, 5 PM ET / 9 PM GMT.
Results of this TTPT and the voting thread of the next one (Celine Dion*) will be posted on June 23, Friday.
To see the past results, check the TTPT wiki page.
If you keep forgetting about TTPT threads and regret not doing them, we have a reminder server in discord. You can join by clicking this link. Keep in mind that you'll be pinged whenever results and new threads are up.
* Carly Rae Jepsen TTPT Re-Do is postponed indefinitely, as she is releasing a new song (and possibly a new B-Side album?) soon 👀.

submitted by Leixander to popheads [link] [comments]

2023.06.11 00:15 Leixander TOP TEN POP TEN - Taylor Swift Songs/Albums (2023 Re-Do Results) [r/popheads' Version] {From the Vault}

Here are the results of Taylor Swift Songs Discography TTPT , 259 people participated:

Rank	Old Rank	Song	Score
1	3	Cruel Summer	819
2	2	Style	740
3	8	august	606
4	1	All Too Well	497
5	-	All Too Well (10 Minute Version)	476
6	5	Enchanted	437
7	27	cardigan	332
8	4	State of Grace	328
9	6	Blank Space	295
10	10	Clean	289

Out of top 10:

Rank	Old Rank	Song	Score
11	7	Getaway Car	272
17	9	Delicate	230

Old rank denotes the rank of the song in the previous TTPT. (October 2020)
Detailed top 10.
Top 10 Spotify playlist.

Full results can be found here!

Participant list.
Voting thread
...and here are the results of Taylor Swift Albums Discography TTPT, 438 (a new TTPT record) people participated:

Rank	Song	Score	Total Score in Songs Discography
1	folklore	3533	2506
2	1989	2987	2078
3	Red	2904	2282
4	evermore	2883	1537
5	Speak Now	2583	1277
6	reputation	2438	1151
7	Lover	2165	1623
8	Midnights	2036	1064
9	Fearless	1819	548
10	Taylor Swift	742	159

In case you want to see how many times the debut album was ranked last, check the graphic in which you can see the amount of ranks each album got here.
Participant list.
Voting thread.
Favorite Album Cuts Spotify playlist.

Some trivia:

Some 69% (nice!) of you listed Taylor Swift/self-titled at the bottom of your album ranking.
ME!, which did not get any votes last time around, managed to get 15 points.
Songs discography TTPT actually got less participants than last two times around (2017 - 2020). 2020 TTPT got 365 voters, this time this number was down by 106.
All Too Well & 10 Minutes versions combined would be #1 on songs discography list, but by a way lesser margin than the 2020 TTPT (18% vs 46%).
Compared to the previous TTPT in 2020: the consensus about her best album has shifted from it being 1989 to folklore. Cruel Summer and cardigan also seem to have gained a lot of popularity within the subreddit (and the fandom in general?).
If the results of albums discography was based on the amount of scores their songs got on Songs Discography TTPT like a regular one, only Lover and Red would benefit. Lover thanks to Cruel Summer, Red thanks to its whopping amount of 30 songs and of course the two versions of All Too Well.
The songs that got no votes at all from her solo discography are, if I'm not mistaken:
- A Place in this World, The Outside, Stay Beautiful, I'm Only Me When I'm With You and Invisible from Taylor Swift
- Hey Stephen, Change, Jump Then Fall, Come In With The Rain, Superstar, Today Was A Fairytale, We Were Happy, That's When and Bye Bye Baby from Fearless.
- I Forgot That You Existed (lmao) and Soon You'll Get Better from Lover.
- Vigilante Shit from Midnights.

Today's Beach House TTPT is here! To see the rest of the schedule and past results, check the TTPT wiki page.
If you want to suggest artists for future TTPTs, you can use this form.
If you keep forgetting about TTPT threads and regret not doing them, we have a reminder server in discord. You can join by clicking this link. Keep in mind that you'll be pinged whenever results and new threads are up.

submitted by Leixander to popheads [link] [comments]

2023.06.10 23:52 AutoModerator [Genkicourses.site] [Get] RY Schwartz – Coaching The Conversion CTC Circle (10/2022) - Full Course Download

What You Get:

Program #1

CTC Launches

2 “Core” Modules

5 “Launch” Modules

25+ Email Templates

Program #2

CTC Sales Pages

Program #3 & #4

Six Figure Emails & Seven Figure Emails

Program #5

Minimum Viable Launch 2.0

Program #6

Application Funnel Amplifiers

When you should be transparent about your pricing BEFORE a sales call
How to strategically structure your application questions in a way that actually coaches your pre-customer into your program (yes, the questions are copy)
What to put on your booking confirmation page to create incredible momentum and a “point of no return” into your program
What tools and systems we use to create a seamless application and booking experience

Program #7

Next-Level Automation & Optimization Stack

submitted by AutoModerator to Genkicourses_Com [link] [comments]

2023.06.10 23:41 Desert-Mushroom Do modern capital markets systematically undervalue large infrastructure projects and is this exacerbated by Baumol's cost disease? What solutions have been proposed if so?

It seems to me that the fundamentally short time horizons of most investors (limited by human lifespan and retirement horizon among other things) results in undervaluing infrastructure and capital investments. Here are a few examples:
1) Homes or apartment buildings may be produced at low quality due to new buyers only planning to live in them for 5-10 years before selling them. This results in higher aggregate housing costs due to increased utilities, maintenance and replacement costs.
2) A large hydroelectric dam or nuclear power plant with a lifespan of 80+ years may not be built despite resulting in a lower overall cost of electricity over a time horizon of several decades or more because it has lower financial returns over the first 20-30 years than a natural gas plant or a wind farm.
Baumol's cost disease as I understand it means that skilled localized labor such as might be involved in large construction projects will often go up faster than inflation, meaning spending today may be more efficient than costs of replacement tomorrow, since inflation of labor costs is high relative to the overall inflation index. If this is the case then we should want to build infrastructure to high quality, to last, and appropriately giving economic credit to a project with long term implications if it is likely to reduce future costs and resource burdens.
Is this question too subject to the value we place on current costs relative to future ones (ie through discount rates) to be objectively answered?
Is the primary solution simply to have government financing for large projects that are deemed worthwhile to society in the long term and how can we determine if these projects are indeed worthwhile with appropriate objective measures of public ROI?
In theory could we expect a shrinking population/economy to financially value large infrastructure projects more due to a potentially negative discount rate?
Tldr: all these are driving at the same general point of does standard financial discounting of capital result in a market failure for long lasting capital infrastructure that results in a less wealthy economy in the long run and how can this be corrected for either when modeling economic returns of a project or creating financial instruments to finance and build long lasting capital.

submitted by Desert-Mushroom to AskEconomics [link] [comments]

2023.06.10 23:40 unkaputtbar_ Beating Harvest Temple Challenge Mode with Warriors only

Hey fellow redditors,
we present our latest Harvest Temple Challenge Mode class-stacking challenge. This time with 10 Warriors (just in time before they get reworked with the next patch) where we also made use of every single spec, including Core Warrior (only the Arms trait line was not used by any player)!
Similar to the Necromancer run, we also did not yet have a source for Alacrity on Warrior, so we just played without it. We still managed just fine and did not have any problems with dps overall thanks to the decent amount of power creep. Warrior in general has many tools to deal with the different mechanics in HT CM, but two of the most notable things were missing Invisibility and also lacking Protection. The latter was noticeable in some phases with high incoming damage.
The strategy with more details and some Trivia information about the wipes per phase for this run (and previous class-stacking runs in HT CM) are listed below.
Log: https://dps.report/oRBg-20230609-212438_void
Squad (PoVs)

Role	Player
Power Berserker	Asterius
Power Bladesworn	Airen
Power Bladesworn	Blast
Power Bladesworn	Noisi
Power Bladesworn	Pentalux
Power Bladesworn	Rickz
Power Bladesworn	Silver
Power Spellbreaker	Minas
Heal Quickness Bladesworn	Bear
Heal Quickness Warrior	Lottie (death compilation)

Big thanks to Fita and Kartky for helping out during progress!
Strategy
We wanted to bring every specialization for this run, even a core Warrior. The best slot for the latter was the kite role, since it is only slightly inferior to Bladesworn as Heal Quickness Kiter and using core on a dps spot would cost more. Spellbreaker is the only Warrior spec with built-in Boonstrip, so it was a natural choice to use anyways. Initially we went with 2 Spellbreakers for more flexible Boonstrip, but on the evening where we killed it, we had only one available. Berserker got recently buffed and is doing really decent dps now and since we had one playing it, it was a no-brainer to include as well. All of the other slots were filled with everyone's favourite Speedrun-class since EoD launched: Bladesworn. The added mobility and range on Gunsaber made it better than the default SpellbreakeBerserker dps builds and since also so much damage is backed into Dragon Trigger (DT), it loses less dps if you can deal with mechanics during the cooldown of DT. A scary part in this run was the relatively little access to Stability and Protection, which can makes some phases spicy.
In Harvest Temple CM there are multiple important mechanics that have to be dealt with.

Boonstripping the boss and adds is easy enough with Spellbreaker. Break Enchantments was used instead of Signet of Might for some flexible access to Boonstrip. Furthermore, Dagger F1 boonstrips as well and we also had our Bladesworn Kiter equipped with a Nullification Sigil.
CC was also not an issue. Warrior in general has a lot of access to CC. Bladesworn on Gunsaber 3 and DT, Spellbreaker on Hammer, Berserker on some skills and Core Warrior on Mace. The only tight part for CC is the immediate AoE CC needed for the Champions phase, but we had more than enough fast AoE skills to make sure we don't rely completely on DT for the CC.
Invisibility/Adds: Since Warrior has no possibility to Stealth (except playing Norn), we had to play without it. After all of the Stack runs we did so far, we gathered a lot of experience in how the Enemy behaviour works. The only really precise part are the Champions at the beginning of the final Soo-Won phase. There, the exact positioning is very important. If someone is standing too close to them, they might start casting their attacks instead of running up close. We stacked under the boss, CCd immediately once they were in melee range and thanks to the insane, front-loaded damage of Bladesworn, we killed them before they could unleash their strong attacks (most notably the Ice Field from the Goliath).
Greens: One of the main HT CM mechanics are the Greens that need to be soaked by two people each. One of the Greens is being done by the typical kiters, in our case the Heal Quick Warrior and Bladesworn. Both have access to a lot of mobility, especially with Sword in the Mainhand, which made dealing with the involved movement of Greens (and Reds) relatively easy. The other far away Green was done by 2 dps Bladesworns. Nothing really special here, they just had to sacrifice their dps and run back and forth to deal with this mechanic. Similarly, Gunsaber 5 of course helps with the movement.
Zhaitan Fear: We used Durability Runes on both Kiters in addition to the Tactics banner, which gives enough Resistance to cover the fear. Nevertheless we had enough Cleanses anyways to immediately cleanse all of the applied Conditions with Warhorn 5 and the trait "Shrug it Off". In order to fully prevent the incoming damage from fear, we used Defiant Stance on all Warriors (except for the Berserker). (This actually also prevents deaths if you fail the Green mechanic and was a nice safety net for other phases as well, it is just a pity that it no longer works for the spread mechanic; this was fixed some time ago and would have otherwise allowed us to ignore the spreading mechanic in other phases).
Orb projectiles: This is one mechanic for which Warrior lacks tools. There are some options, like reflects on Blocks with a trait in Defense, or the Spellbreaker Elite, but nothing to take care of the projectiles permanently. Therefore, we had to play the phases simply without projectile blocks and only used the Spellbreaker bubble in some key moments to block projectiles.
Champions Burst: We did not have Stealth, but if you stand close to the Edge in the center of the boss hitbox, both Champions run up close, if they are not attacked. This was what we needed to get a good burst window. The hardest part was actually getting the immediate CC done on both Champions. This was easier on the Necro stack, because of the insane CC of Reaper's Elite Shout. However, we still managed to do that and thanks to the awesome front-loaded Bladesworn damage, we also managed to kill the Goliath Champion before the Ice field was casted. This was the crucial point. After defeating the Champions in the burst, it was an immediate kill and in all of the Soo-Won2 wipes listed in the table below, we wiped everytime because of messed up Champions.
Stability/Boons/Condis: Overall, Boon availability on Warrior is quite ... special. Most of the generic boons are easily covered, but Stability and Protection are on the lower end. Stability was less of an issue, since many mechanics can simply be outplayed instead of relying on Stability. Similarly for Prot, however especially in Orb 2 with the incoming damage from the Timecaster Add, it was very noticeable that we lack Prot (and good ranged heals). In general, the boon-output from Heal Warrior is actually quite amazing though. Might, Swiftness, Regen, Resistance, Fury and more is almost fully covered. Another small detail that was a tiny bit lacking was actually Vulnerabity, in cases where the Bladesworn rotations are in sync. We tried to let some Bladesworns do a fractal opener to spread the Vuln applications from Pistol 4 more out, but at the end of the day it was still not optimal.

Trivia
The wipes per phases for the class-stack runs so far were as follows. Primordius is still the biggest Nemesis, but relatively speaking: Orb 2 and Soo-Won 2 (or specifically the Champions) were the hardest parts for this run.

Phase	Warrior Wipes	Necro Wipes	Guardian Wipes	Revenant Wipes	Mesmer Wipes	Engineer Wipes
Total	78	72	150	315	320	48
Orb 1	14	4	17	43	44	5
Jormag	7	8	22	40	67	6
Primordius	24	20	50	97	98	14
Kralkatorrik	3	4	9	17	7	0
Orb 2	17	11	9	27	17	5
Mordremoth	2	8	5	11	16	1
Zhaitan	3	10	24	53	39	10
Orb 3	0	3	6	2	6	2
Soo-Won 1	1	1	2	10	17	1
Orb 4	0	0	0	1	1	0
Soo-Won 2	7	3	6	14	7	4

submitted by unkaputtbar_ to Guildwars2 [link] [comments]

2023.06.10 23:18 throwawaynewc My NHS pension seems underwhelming- am I doing this right?

Hi all, just went to check my TRS and was a bit disappointed with what I found.
My plan is to quit the NHS in 2026 and start withdrawing my pension 12 years earlier than SPA (incurring 55.4% actuarial reduction). Let's assume SPA is 68.
Inputting my figures into the early retirement calculator, I'm getting my a retirement pension of £2659.56. If I were to retire at SPA, it sets my pension at £4345.68.
Whoa. I'm assuming they mean £4345.68 at current value? Even then, it's still pretty terrible considering what I've put in. Assuming I get 15 years of that, that's just 15x£4345.68=£65185.2 in current terms. I know it gets uplifted by CPI, but I don't think it's relevant to my calculations. It does mean £4345.68 in current terms and NOT when I'm 68 right? That would make zero sense to me.

Table from TRS

Year	Pensionable Earnings,£	Pension Earned	Revaluation
2017	18005.31	333.43	2.5
2018	31558.72	584.42	4.5
2019	36621.11	678.17	3.9
2020	38995.55	722.14	3.2
2021	45477.43	842.17	2
2022	50017	926.24	4.6

My employee contribution has always hovered around 10%. This means I've contributed £22067.51 over these years. If I'd kept all of this in a piggy bank till today and decided to invest and leave it, here are the values I've predicted when I'm 68:
If I'd opted out of NHS Pension and contributed to SIPP instead (sans fees)

ETF average yearly return (%)	Value when I'm 68 in £
3	65876.50
4	94186.12
5 (FTSE100 last 40 years)	134201.50
6	190576.95
7	269744.84
8 (all world index last 15 years)	380568.05
9	535221.80
10 (S&P 500 last 30 years)	750382.54

If you assume inflation is gonna be 3% per year on average, £65185 is gonna be £194592.60. That's assuming ETFs beat inflation by just 3% in the long term, pretty damn conservative.
Am I wrong? Please tell me I am. I get that it's inflation resistant/uncorrelated to the stock market but is that all the 2015 NHS pension is? That's kinda deflating tbh.

submitted by throwawaynewc to UKPersonalFinance [link] [comments]

2023.06.10 23:05 Gamemasterone GDDR6 VRAM Prices Falling According to Spot Market Analysis - 8 GB Selling for $27

The price of GDDR6 memory has continued to fall sharply - over recent financial quarters - due to an apparent decrease in demand for graphics cards. Supply shortages are also a thing of the past—industry experts think that manufacturers have been having an easier time acquiring components since late 2021, but that also means that the likes of NVIDIA and AMD have been paying less for VRAM packages. Graphics card enthusiasts will be questioning why these savings have not been passed on swiftly to the customer, as technology news outlets (this week) have been picking up on interesting data—it demonstrates that spot prices of GDDR6 have decreased to less than a quarter of their value from a year and a half ago. 3DCenter.org has presented a case example of 8 GB GDDR6 now costing $27 via the spot market (through DRAMeXchange's tracking system), although manufacturers will be paying less than that due to direct contract agreements with their favored memory chip makesupplier.

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

2023.06.10 22:56 Archenuh [Store] Diretide Collector's Cache 1 2022

Heya! I'm a high rep user on Steamtrades as well as some other subreddits, but I'm also willing to go first if you have any decent repthreads (obviously not on the Steam profile itself).
Steamtrades 100+ positive rep
SC_trades rep
GCX rep
My steam profile

Payment methods: Revolut, Paypal, Marketable items, Steam gift cards
Reservation fee is 50% of the cost. The rest of 50% will be paid when I send you the item, after the 30 days friend period. Or, if you use a marketable item as reservation, I can give it back and you can use other methods of payment if you wish.

TB and Spectre sets sent to TeddyBonkers - https://i.imgur.com/qn5ccjf.png
Primal Beast set sent to i like ducks - https://i.imgur.com/cjegNhz.png

Diretide 2022 CC

Set Name	Hero	Quantity	Price
Dark Behemoth	Primal Beast (Very Rare)	1	~~$20~~
Angel of Vex	Invoker (Rare) /with Persona	reserved	~~$10~~
Shadowleaf Insurgent	Hoodwink	reserved	$4
Scarlet Subversion	Riki	reserved	$4
Crimson Dawn	Phoenix	1	$4
Hounds of Obsession	Chen	1	$3
Seadog's Stash	Clockwerk	1	$3
Spoils of the Shadowveil	Spectre	1	$3
Trophies of the Hallowed Hunt	Ursa	1	$3
Forgotten Station	Terrorblade	1	$3
Dirge Amplifier	Undying	1	$3
Champion of the Fire Lotus	Monkey King	1	$3
Deathstitch Shaman	Witch Doctor	1	$3

submitted by Archenuh to Dota2Trade [link] [comments]

2023.06.10 22:52 AutoModerator [Genkicourses.site] [Get] RY Schwartz – Coaching The Conversion CTC Circle (10/2022) - Full Course Download

What You Get:

Program #1

CTC Launches

2 “Core” Modules

5 “Launch” Modules

25+ Email Templates

Program #2

CTC Sales Pages

Program #3 & #4

Six Figure Emails & Seven Figure Emails

Program #5

Minimum Viable Launch 2.0

Program #6

Application Funnel Amplifiers

When you should be transparent about your pricing BEFORE a sales call
How to strategically structure your application questions in a way that actually coaches your pre-customer into your program (yes, the questions are copy)
What to put on your booking confirmation page to create incredible momentum and a “point of no return” into your program
What tools and systems we use to create a seamless application and booking experience

Program #7

Next-Level Automation & Optimization Stack

submitted by AutoModerator to Genkicourses_Com [link] [comments]