I have been uploading shorts some getting 1-3k views but suddenly 3 days ago I've been getting 1 or 2 shorts view per video, totaling 27 shown in feed, why the low number? And how to fix? Thanks!

And he turned it down!
That's 62,500 riyals EVERYDAY of your life FOR 50 YEARS!
But what's more interesting is... Why? Why was he offered that much? What was the ROI (return on investment) on that supposed to be? Other clubs, what they offer him (or any player), they intend on making more out of...so it's a business deal. They make money through ticket sales, ads, merc, pay per view... Was that the case here? I don't see the market here being big enough to garner that kind of profits. So what was it about if not a lucrative business transaction? And where is the money coming from? As a citizen, do you have the right to question it?

Hello All,
I would like to figure out how much I would need to repay per month to pay back a loan within a specified time.
For example, let's say I work out the repayments on a 500K load, 4.5% interest, 15-year fixed term, Annuïteiten form (or Lineair). Of course, I would like to play around with all of these numbers.
Are there any calculators where I could ask it to figure out what I would need to pay back monthly, to pay back the loan completely within a specified time (such as 15yrs).
If anyone could point me in the direction of an excel spreadsheet setup like this, or a website, that would be great! I am just trying to work out loan vs saving for retirement.
Thanks!

Due to the growth of the internet and online advertising, PPC advertising, also known as pay-per-click advertising, has emerged as a significant digital marketing method in the current era. Due to a number of factors, Brand Visage is the best PPC agency in Delhi.
Visit:- https://cityoftips.com/2023/05/10/advantages-of-ppc-advertising-insights-from-the-best-ppc-company-in-delhi/

how does making money on youtube actualy work?
advertisers pay youtube to show their ads n the site as display ads, search results ads, and as pre and mid roll and post roll ads. when a viewer sees an ad on a video the advertiser has been charged moneyu that was taken in by youtube and split with the creator whose video the ad played on.
how much the advertiser paid is called the CPM, cost per mille or per thousand impressions
how much you will make per thousand views is RPM
and this is a certain percentage of the CPM
cpm can fluctuate heavily depending on amount of advertisers in a niche and during big events or holidays
Hope that helped,
Casper Van der Ree (Cash Cow Casper)

1. The Burj Khalifa

The Burj Khalifa is for sure THE place to visit in Dubai!
The tallest skyscraper in the world (828 meters) has been open to the public since 2010 and has quickly become the symbol of the city.
Every day, thousands of visitors flock to the tower and take one of the fastest lift in the world up to the viewing platforms located on the 124th and 125th floors .
From there, you can enjoy an extraordinary panorama over the whole city!
And that’s not the highest point yet!
You can even go up to the 148th floor, to reach the highest viewing platform in the world (555 m high).
You should visit the Burj Khalifa in the evening, to enjoy the view over the illuminated city from the highest observation deck in the world.
To visit the Burj Khalifa, you should really book your skip the line ticket online in advance.
This will allow you to choose your visit time slot and avoid the long waiting lines to buy your tickets.
Another important advantage is that tickets are cheaper online than directly at the counter. And that’s the same for all the activities you can do in Dubai!
​

1. The Dubai Mall

In the city center, right next to the Burj Khalifa, there is the Dubai Mall.
This huge mall is the most visited shopping center in the world!
With more than 1200 shops and hundreds of restaurants, you will for sure find something that fits your taste and your budget.
And there is more:
This shopping temple also houses indoor waterfalls, an aquarium (more about it below), an ice rink, a go-kart track, a flight simulator, cinemas, arcade games and a lot more!
The Dubai Mall is open every day from 10am until midnight. Restaurants and food court until 1am.
If you want to prepare your visit, you can have a look to the official website to see all the existing shops, restaurants and attractions.

1. The Dubai Fountain

This fountain (the largest water fountain in the world) is one of Dubai’s main tourist attractions.
The fountain show takes place several times a day on the artificial lake located at the exit of Dubai Mall, at the foot of Burj Khalifa.
You must attend it during your trip to Dubai!
The best is to go there at nightfall, when the tower is illuminated. It’s simply magical to watch the ballet of water jets dancing to music.
The show takes place every 30 minutes between 18.00 and 23.00 (there are also a few during the day).
The access is free of charge.
Quick tip: To get a great viewpoint, try to be there as early as possible, as the fountain show attracts thousands of tourists!
​

1. Deira district and its souks

Dubai isn’t just about luxury and excess: there are still traditional and authentic neighborhoods to visit!
During your stay, you should really take a stroll through Deira district, a picturesque and popular place featuring several souks:

• The Gold Souk and its large number of shops with magnificent jewellery displays. It’s the largest of its kind in the Middle East.
• The Perfume Souk, in Sikkat Al Khail street.
• The Spice Souk and its colourful stalls to stock up on curry, saffron, cinnamon and more.

To visit the Old Dubai and Deira, the best is clearly to book a guided tour!
During this 3-hour tour, your guide will show you the souks as well as Dubai Museum, which I mention a bit further down this article.
The guide is really amazing, he will teach you everything about the culture, religion, daily life and history of Dubai.

1. Bur Dubai

Bur Dubai is the other typical district you should definitely visit in Dubai.
This neighborhood is also one of the oldest in the city. It’s located just opposite Deira, on the other side of Dubai Creek.
To get there, you will have to take an Abra, a small traditional wooden boat (1 AED per person).
The short crossing will allow you to enjoy a beautiful view and see “Dhows”, the old ships with bright colors supplying the souks with goods.
Here are the best places to visit in Bur Dubai:

• Sheikh Saeed Al Maktoum House: The old house of the Al Maktoum family until 1958. You will see photos and documents about the history of the city.
• Old Souk, one of the oldest in Dubai. You can find everything there: slippers, souvenirs, fabrics, traditional lamps…
• Meena Bazaar, a market where you can buy Indian goods: fabrics, spices, jewelry.
• Hindi Lane and its Indian stalls. The best place to try traditional dishes at a reasonable price.
• Sheik Mohamed Cultural Center: Here you can have lunch with an Emirati in a traditional house. The center was opened by the Sheikh to allow tourists to learn more about United Arab Emirates (UAE) traditions. Reservation is required, click here.
• Al Seef Market, where you can admire replicas of traditional houses, with restaurants and shops.
• Dubai Museum: I will tell you more about it in section 9 of this guide.

https://bestholidaybooking.com/visit-dubai-top-5-things-to-do-and-must-see-attractions/

Essendon could join the chase for Carlton ruckman Tom De Koning, but might struggle to keep a young big man of its own. Plus why the Cats won’t land Sean Darcy.
https://www.codesports.com.au/afl/trade-hq/afl-trade-news-what-sean-darcy-contract-talks-mean-for-ruck-merrygoround/news-story/d7fe7f4d0b1f576da9b18e489095d853
Sean Darcy’s hamstring tear against Melbourne allowed Luke Jackson to take over against his old side while sparking a frenzy of speculation about the Dockers trading their No.1 ruckman.
As it happened, it also delayed a discussion that would have stopped that talk in its tracks.
Darcy had been set for talks with the Dockers and his management about a long-term extension on the contract that makes him a free agent at the end of 2024.
Those talks across Fremantle’s round 12 bye have been pushed back a couple of weeks as he gets some rest and relaxation before a big second half of the season.
As clubs across the competition try to work through how to establish an elite ruck department, the Dockers will lock away Darcy for the long-term.
For all the pre-season talk of Jackson stifling Darcy’s influence, the opposite has occurred.
As the Dockers attempted to give Lloyd Meek game time last year, Darcy averaged 64 ruck contests a game playing 87 per cent ruck and 13 per cent forward.
This season in rounds 1-10, alongside Jackson, he averaged 73 ruck contests and a 90-10 ruck forward split.
Jackson might thrive as the No.1 ruckman at times, but he was well aware when he came to Fremantle as a 21-year-old that playing alongside Darcy was the perfect way to extend his career.
And it would give Fremantle the best chance of success as he mixed rucking with a hybrid midfield role and the forward responsibility that has seen him kick six goals in the Dockers’ four-win streak (and 13.10 for the season).
So the Darcy-to-Geelong narrative won’t happen for the former Cobden man mountain as rivals look elsewhere.
Tom De Koning would have to sacrifice ruck opportunities and money to stay at Carlton, which seems increasingly unlikely.
The talks scheduled for the bye will likely drift until the end of the season as Geelong, St Kilda and Sydney chase the 23-year-old.
If he stayed it would be as the Blues’ No.2 ruckman and No.3 forward, even as his one-out ruck performance against Melbourne showed he was capable of holding down the ruck.
Last Friday’s clash against Max Gawn and Brodie Grundy was his highest-rated game for the year with 13 hitouts to advantage and two intercept marks.
If he did stay at Carlton it would be out of loyalty to the club that drafted him, and his strong mateship with his teammates.
Like Carlton, Geelong might pay him only $600,000 a season.
But the Cats can promise him the No.1 ruck position, plus a complimentary role in attack when 34-year-old Tom Hawkins eventually retires.
St Kilda can’t offer him the No.1 ruck job ahead of Rowan Marshall, but it can offer him the No.2 forward role behind Max King, with Tim Membrey 29 and currently playing VFL after a poor season with a long-running knee issue.
Essendon might throw its hat into the ring but ruckman Sam Draper is in front of him, Andrew Phillips is the in-form back-up and the Bombers might battle to hold onto third-in-line Nick Bryan.
Bryan is only contracted to the end of the season, is eager for opportunity after only one AFL game this year and is putting up massive VFL numbers to disprove theories he is only a tap ruckman without a well-rounded game.
In five VFL games this year he has averaged 134 SuperCoach points, 19 disposals, 32 hitouts, 12 hitouts to advantage, five clearances and six score involvements.
If Essendon doesn’t give him more chances – and it is trying – then a rival team will.
Meanwhile, GWS has been desperately trying to find a successor for Shane Mumford and hoped Braydon Preuss might be their man.
Yet out of the Preuss-Matt Flynn-Kieren Briggs battle, Briggs has emerged as footy’s in-form ruckman in the past three weeks.
Only just winning selection in round 10 after strong VFL form, he has been footy’s biggest surprise packet.
He was the second-highest rated player on the ground against St Kilda, the highest rated against Geelong (eight clearances, seven HTAs) and the second-highest against Richmond (two goals, six clearances).
It is early days but if he can maintain the rage at just 23 years of age, Adam Kingsley’s search for Mummy 2.0 is over.
At Port Adelaide Scott Lycett is uncontracted but back in favour, at Richmond Ivan Soldo is injured but well behind Toby Nankervis, while Nic Naitanui’s season is over with uncertainty about whether he plays on.
So Fremantle’s Darcy will be taken off the board for rival clubs, and yet it will only increase the currency of the likes of De Koning, Bryan and Lycett in a game where teams prefer to poach ruckmen rather than develop them.

As many of you are already aware, Reddit has announced that they are updating their API pricing model. The new prices, which will go into effect on July 1st, are so exorbitant that all existing third-party apps (such as Apollo, RiF, Relay, BaconReader, and Narwhal) will be forced to shut down. Apollo specifically would need to pay Reddit $20 million per year to continue operating, a sum totally beyond their means.
Once this change has been made, the only way to view Reddit on a mobile device will be through the official app. In addition to a generally inferior interface and extremely lackluster moderation tools relative to the various 3rd party apps, Reddit's official app offers a terrible experience for visually impaired users . Reddit has been well aware of this issue for years, but have never prioritized it, and now they are pulling the rug out from under the visually impaired community, with nothing more than a promise that they'll make their own app accessible...eventually. Reddit's recent update in response to the growing uproar makes no mention of this issue, and that is not acceptable.
A sitewide protest has been arranged, and as of this writing over 2400 subreddits have agreed to participate . startrekenterprise has decided to join them, and like the rest, we will be taking the subreddit fully private on Monday, June 12. The subreddit will not be accessible to any Redditors during this time. How long we stay that way will depend on how Reddit chooses to respond.
We encourage anyone interested in contributing to this movement to reach out to the admins themselves (via modmail at reddit ), or to moderators of subreddits you frequent. Tell them you support this protest and you want them to take action.
We want to be clear about a couple of things: if this were simply a matter of Reddit making a bad business decision, we would not be participating in this protest. If they want to kill their own platform by ruining the user experience for everyone, we have no real objections. However, their passive hostility toward Reddit's visually impaired community is simply unacceptable to us.
Furthermore, we strongly encourage everyone who supports this protest to stay off Reddit entirely for the duration. Subreddits going dark is one thing, but a decline in active users will send an even stronger message.
To reiterate:

Beginning Monday, June 12, this subreddit will be inaccessible until further notice. We strongly encourage supporters to avoid the platform entirely during this time. 

For the 4th time in as many months, I was texting my husband all day - getting no replies.
Today though, our toddler son was pretty sick, and I was exhausted, frustrated, and REALLY in need of some help - hoping desperately that he could come home early if possible. In between HOURS of changing and bathing our kid and doing many bedding changes & load after load of laundry - I barely eaked out a dozen desperate texts about my desperate situation- and yet he never replied to any of them
I thought "geeze, if he's not even answering these messages, he really has to be buried in issues at work or today he's working in someplace like a bank vault where he's not allowed to have his phone".
As the hours passed without any reply - I began to worry that HE was okay.
When he finally DID text me at 830pm just to say he was on his way home- I was pretty aggravated that it was the first id heard from him...
And then at 9pm when he finally called me while I was in the middle of wrangling the upset baby (which id JUST explained to him via text)... the first words out of his mouth were - "you could have AT LEAST answered my text".
You can only imagine MY anger since not only had I replied to him immediately HE had not answered a single one of MY messages all damn day! The nerve!
It was during this call that we realized that he wasn't actually getting ANY of my texts. So instead of being pissed at HIM.... Now I'm looking at YOU, T-Mobile.
Wanna know why?
Because thisis the FOURTH DAMN TIME T-Mobile has shut off my ability to send texts.
They give no warning - and absolutely ZERO notice - they just shut off your text messaging ability and yet on my phone- it would appear as if they are sending and being recieved perfectly fine.
This is UNACCEPTABLE. Its downright DANGEROUS - People text 911 and in many other desperate and dangerous situations to get help. Many deaf people rely ENTIRELY on texting because they can't MAKE regular phone calls.
SEVERAL times during these "shut downs", I have lost opportunities to make money - I've upset and angered friends - and I've lost the trust of people I was buying or selling things from - resulting in those deals falling apart all because SUDDENLY I've dropped off the face of the earth and didn't answer thier messages for days on end... All while I WAS answering them back and they were ignoring me.... because they WEREN'T GETTING MY TEXTS.
It isn't until I've physically stood beside the person and we compared phone screens - that I was able to PROVE I had been answering them.
This has caused COUNTLESS problems with the club I run, the classes I teach, my kids and thier friends- and my own friends and family.
It's cost me money, caused me HOURS and sometimes DAYS of anger and frustration - all because T-Mobile has decided that I SEND TOO MANY TEXTS or that I text my friends in ways they don't like.
I DEMANDED answers the first time this happened.
I was told they "don't know the number of texts you can send before they shut down your messages". I was told they couldn't find out and no one really knew. I was told that once a customer get accused of "spamming" by thier magical algorithms; they just shut you off and don't say a damn word.
I was told that including a link in my text messages (like when i sent a link to my fellow club members about a discounted Lego set!)
OR when I announced to a few dozen friends that my classes were starting back up - that it must have been "too many texts" and triggered the "rate limit" and that they couldn't take the block off for 72 hours.
On tonight's complaint call - with a woman from India who proceeded to read a script - over and over telling me HOW MUCH SHE CARES that i couldn't text my husband about my sick baby - and HOW IMPORTANT IT IS that my messages go through when i text my club members.... I told her to STOP with the script and the "empathy" and just get me an answer on EXACTLY how many texts I can send before they shut down my phone.
I sent just 42 text messages to individuals yesterday - all people that i know personally - and in doing so - I manually changed up EVERY SINGLE TEXT so that the content of the messages were personalized, contained each person's name and did NOT include the same wording over and over. It took two and a half hours for something i could have sent in two minutes.
I only sent links to an event on my Google calendar to those club members who hadn't yet RSVP'd.
The only other texts I sent all day were to my own family members .... And I sent ONE group text to the 46 people in my club - broken down into three groups, so three of the same message went out within a minute. I have no idea if ANY of those texts went through.
I was told that TMobile had ONCE AGAIN flagged me as sending spam and had shut off my ability to text for 72+ hours.
For the FOURTH DAMN TIME, I was told that it could take upwards of 24-72 hours to reinstate my text messaging..I was also, LAUGHABLY, told to contact my club members, friends- and family - and asked to have them all download a special third party app to message me. Like "whatsap" or something.
When I asked the INCREDIBLY annoying tech support woman how i was supposed to send ANY MESSAGE to all of those people- after all - isn't that EXACTLY what they had banned me from texting for doing?! Plus, without the ability to send texts- am I supposed to call my hundreds of phone contacts and explain the situation over and over and over to each one, asking them to please install a special messages app JUST TO TALK TO ME?
Finally tonight, the tech told me "unlimited messaging is limited to 300 messages per day, and any more than that will shut down your service by triggering a spam block." Even if you text the same person over and over with different messages- if you're talking to them THAT MUCH, T-Mobile calls it SPAM AND DISABLES YOUR TEXT MESSAGING SERVICE.
So you've heard it here folks - we pay for "unlimited data and text messaging" and T-Mobile's explanation of "unlimited" is;

• no more than 300 total texts.
• no photos or links can be sent to groups or multiple individuals
• you must personally and individually text everyone you know, even if you need to send the exact same message to multiple people like "Thanksgiving dinner is at 3pm at Grandma's this year"- that's enough to trigger them SHUTTING YOU DOWN.

And - even if you FOLLOW all of those things (like i did yesterday)- they might STILL flag your account, shut off your texts, and NEVER TELL YOU- So you'll never know until you find out from someone in person - that no one is actually getting any of your messages!
I had Verizon and then Sprint for over 14 years. Some days, id send out over a thousand texts, about the Christmas charity that i run - letting people know we were starting up our collection for the year. NEVER EVER- Not even once - did they EVER restrict my texts.
I've only had TMobile since they bought out Sprint (after SWEARING id never ever go back to them, when they destroyed the Sidekick phones & lost ALL of my company's contacts and data back in 2010!)- and it's been nothing but PURE HELL and CONSTANT ISSUES ever since.
I hate you, TMobile. More than I've ever hated any company in existence.

Occupation – Government employee
Age – 34
Location – Zimbabwe
My salary – $500 (paid monthly)
Side Gig Income – $0
Other income – negligible amounts from dividends received from my stock portfolio that I re-invest
Housemates – 4 (husband P, 6 year old L, 4 year old E and nanny F. My nephew M is around and makes appearances too)
​
Assets and Liabilities
​

Equity	$60,000 fully paid off
Retirement Balance	??	I contribute monthly, and employer matches fully. But because of changes in currency and hyperinflation, I don’t really count this as an asset
Savings	$1700	(went down due to travelling trying to get my passport done since it expired)
Current account balance	$660	Includes my mum's money since I'm managing her financial affairs while she's abroad
Loan from employer	$130	I took a personal loan from work, because the interest rates are lower than rate of inflation and repayment is over 18 months. Loan was used to make improvements on our house, and what wasn’t used, I bought shares on our stock exchange, due to hyperinflation, the amount I owe in US$ has gone down
Investments (shares in various counters on our local stock exchanges)	$1,186
Car	$4,000	Based on current resale value. Car was bought secondhand for cash

​
Income progression- (https://www.reddit.com/MoneyDiariesACTIVE/comments/vbbb7s/i_live_in_zimbabwe_making_3600year_and_i_just/)
​
Expenses
This year, my husband and I decided that he would take on the bulk of our expenses since I do most of the domestic work/childcare. Expenses I pay will be indicated. My salary is now for my expenses, my investments and my savings, and spoiling the kids. Husband caters for the family basics. There was a point last year when I felt my husband wasn’t as invested in the family because he barely did anything financially. By having him cater for all expenses, he is now definitely involved and invested. My husband’s income is just about the same as mine, slightly higher at some times.
​
My Expenses

Expense	Amount /period	Note
Car insurance and licensing	$300/annum	This is due in March, and I pay for the entire year
Petrol	$60/month
Electricity	$10/month
Airtime/data	$20/month
Groceries	$60/month	This is for additional groceries such as bread, veg and fruit bought during the month
Kids’ clothes	$40/month	I’m trying to build up their winter wardrobe so I try to buy them something each month
Makeup/clothes/toiletries/ supplements/hair	$30/month	I do not us this much monthly though
Water	$15/month	Based on last bill received in April. We do not get water consistently so bills are infrequent
Donations	$20/month	Ad hoc donations to a soup kitchen, and maternal health fun
Stock market investment	$50/month	May invest more or less, but I do try to buy shares every payday

​
Household Expenses (paid by P)
​

Expense	Amount /period	Note
Groceries	$200/month	Bulk grocery shopping of staple food items and toiletries
LP Gas	$30/approx. every 2 months	We buy when it runs out. Usually every 2 months depending on how bad the power supply is
Medical	$15/month	For OTC meds (painkiller, cough syrup, antacid stocked for emergencies) and any prescriptions
Pet expenses	$60/ twice a year	For vaccinations and checkups for 4 dogs. Pet food is covered under groceries
School fees for the kids	$347/ term	One kid has fees paid every month, the other every 3 months
Nanny	$80/month	Less than before as both kids are now in school fulltime, and nanny is there to get them ready for school and care after school for 3 hours.
DSTV subscription	$37/month
Transport for kids to/from school	$60/month	L gets picked up and dropped off at home daily, E is dropped off after school

​
Previous MDs - (https://www.reddit.com/MoneyDiariesACTIVE/comments/vbbb7s/i_live_in_zimbabwe_making_3600year_and_i_just/) and (https://www.reddit.com/MoneyDiariesACTIVE/comments/yc801g/i_am_33_years_old_and_i_just_graduated_with_my/)
​
MD Q&A
Did you participate in any form of higher education? If yes, how did you pay for it?
Yes, I have a BSc in Accounting, a Masters in Accounting, and a Postgraduate Diploma in Taxation. My parents both have Masters degrees, and in my family, the bare minimum acceptable for education was getting a Bachelors. My mother paid for my undergraduate degree, and I paid cash for my postgraduate studies.
​
Growing up, what kind of conversations did you have about money?
My parents divorced when I was very young. My dad is the wealthier of the two, my mum has always been middle-class. My mum brought me up with very little financial help from my dad, he only covered tuition and healthcare until I turned 18. My mum catered for everything else. My mum taught me how to look for bargains, how to save and invest, and also how to sometimes enjoy your money.
​
If you have, when did you move out of your parents'/guardians' house?
I would say I moved out at 26 when I got my current job. I had moved out when I got my first fulltime job, but moved back home when that contract ended
​
At what age did you become financially responsible for yourself? Does anyone else cover any aspects of your financial life?
At 26 again. That's when I earned enough to cover all my bills without needing help. My husband P covers some aspects of my financial life, and my mum occasionally helps out with stuff for her grandchildren.
​
What was your first job and why did you get it?
I worked as a receptionist at my mum's law firm after finishing my A Levels (age 18) while waiting to start university. My mum gave me the job to keep me occupied and out of mischief, lol.
​
Do you worry about money now?
I worry about building generational wealth for my children. I want to make sure they will be set for life as adults. I do worry about money because hyperinflation is eroding my earnings and retirement dramatically. This is my second time losing my retirement. My mum and in laws are losing their retirement for the third time, so honestly our old age looks bleak if we do not invest outside of work pensions.
​
Do you or have you ever received passive or inherited income?
I receive negligible dividends from the shares I own, lol.
​
Day 1
0430 – I’m woken up by loadshedding. I sigh, rollover, and sleep some more
0600 – Alarm goes off. I turn it off, enjoy cuddles from P and finally get out of bed. Our water tanks ran out 4 days ago, and council has not yet deigned to give us water, so we rely on P’s parents and friends to give us water. I get my water that was warming up on the stove, and take a quick bucket bath. I moisturize, do my brows, throw my lace wig on (I cut my hair in January, and I’m at a really awkward stage where my hair looks bad when I wear it out all day) and get dressed. It’s cold in the mornings so I put on winter stockings and a black and white chevron patterned dress, nude ballet pumps plus my warm jacket. I get E from the couch where he was watching Cocomelon and my lunch bag out of the kitchen and we head off to his school. After dropping off E, I go to the office. No electricity means no elevator, so I go up the stairs. I see my boss’s boss and greet him as we do the ZESA (local electricity company) sponsored workout. I log in to the work register, fill up my kettle, and settle down to check out my work email. Nothing urgent came through overnight, so I go into my personal email. The wig company I patronize has given me a code for my birthday, and I’m wondering if I should pull the trigger on my cart. I decide to do a report while thinking this through.
My mum is currently working out of the country, so I am managing her local finances/obligations while she’s away. I remember I have to buy the prepaid electricity token for my childhood home as well as for the house she lives in when she’s working in the country. I spend $23 on electricity for both houses (mum’s money so doesn’t count)
1030 – After doing some firefighting and office gossip I have my breakfast. Today its rice, peas and 2 fried eggs. I sprinkle some peri-peri Aromat on top since I don’t have a sauce/gravy ad I have been craving spicy food lately. I also pop my multivitamin and supplements. I check my team’s work and send back anything that needs correcting. I also generate the multiple reports my boss expects from me. I suddenly remember I need to claim my allowance for performing a role that is higher than my actual position at work. I quickly complete the form, and send it to my boss for his signature. The extra money from this is what I use to fund my stock market investments. I also remind my team to send a report to me for consolidation by noon.
12.00 – I do a major push of all my work due today so I can relax after lunch. I compile my reports and set them ready to send. I also finish my first 2 litres of water of the day, and cue up the next 2 litres
1300 – Its lunchtime, and my work bestie and I head out around town**. I find shorts that L would fit and buy 2 pairs for $10**. We head back to the office and I have caramel popcorn for lunch. Then I remember I forgot to have my afternoon meds, oops. Anyway, more work before heading to an audit meeting
1630 – The audit meeting is finally over, and I rush to shut down my computer, pack up my things and go home. I have an agreement with my manager that as long as I make up for the hour, by either coming early or skipping lunch, I can leave work at 4pm. I had a total hysterectomy end of last year so I still can’t manage driving in heavy traffic. I arrive home, make the bed (P had not made it when he went to work), and harvest chilies from our garden that have ripened. I also harvest a local herb used as a flu remedy and lemongrass, so I can brew up a tea/tisane for the flu affected people in my house. I also pack L’s lunch for tomorrow, a pie, a naartjie and juice. It’s also F’s payday, so I give her US$80 (P gave me this money).
E says he is hungry so I feed him sadza and sour milk by his request. I multitask covering L’s school textbook while supervising his homework and watching Married to Real Estate and the Great British Bake Off. I then have my dinner of sadza, greens and beef. I have a chat with the kids about their day at school. P gets home.
1900 – P and my nephew M go to fetch water from P’s friend’s house. The city council still hasn’t opened up our water supply. I do some French on Duolingo while the boys wreak havoc in their playroom. I read L and E their bedtime stories and put them to bed. I decide to do my hair in cornrows while watching Masterchef Australia. They get home and I help them carry water indoors. I remember that when power comes back I need to boil tripe on the stove, so I cut it up, put it in the pot with water, salt and garlic, and place it on the electric stove. We have serious loadshedding these days, so we have a gas stove and solar power to tide us over. I take a quick bath and change into my pyjamas. While P watches TV, I read Wild Sweet Love by Beverly Jenkins and continue to do my hair in cornrows.
2200 – My arms are tired and I’m only halfway through with the cornrows. I give up and go to bed with P.
Total spent - $10
​
Day 2
0600 – I hear crying. E is in a bad mood today. I turn off my alarm, and go to see what’s wrong. E does not want to get dressed for school. I sigh, and help F dress him while he throws a massive tantrum. E is dressed, so I go do my morning routine of shower, moisturize, contact lenses, and eyebrow makeup. Today, I wear a green dress I took from my mum, black tights, nude ballet flats and a black and white coat. E gets put into the car by F, and starts crying for porridge. We are already late, so he learns that the consequence of refusing to eat his porridge on time is to go to school without having his porridge. It’s not a big issue though, as he gets fed at school. So I lock the doors and windows and drive him to school as he throws a tantrum for the entire 10 minute drive. I shove him into the school gate and head to work.
It’s another ZESA sponsored stair workout today. I log into the register, and fill up my kettle with water. I switch on my computer, check my work email and send off client emails to my team for their response. My personal email has an annual report from one of the companies I have shares in so I check out if there’s a dividend this year. I own a negligible number of shares in the company though, but 28c per share is quite impressive. I check to see if my stock exchange wallet has been credited with the money I transferred there so I can buy more shares. It still hasn’t so I send a follow up email o the enquiries desk at the stock exchange. I do have a stockbroker, but I prefer doing my trades myself. I also do some French on Duolingo before 8am.
0830 – Our HR is in a tizzy because people are late for work. I don’t make a big deal out of it usually, because salaries are shit and people are demotivated. As long as my team shows up and does some work, I’m ok. I approve some work, and warn my team about coming in a bit too late. I also tell a teammate that she will have to cover for me on Monday as I am taking the day off. Our internet connectivity is shit so I can’t log into our system to check some stuff. My work bestie gives me avocados from her house. I almost cry because I have been craving avocados, but been too cheap to buy them.
1000 – I have a really bad sore throat. I am also hungry since I haven’t had breakfast yet. I jot down my shopping list for the weekend and head to Pick ‘n’ Pay to buy carrots, green peppers, tomatoes, lemons, cheese, polony and bread. I also buy my breakfast/lunch, which is rice, beans, ox liver and egg salad**. It all cost $10**. I leave my shopping in my car, and go to the office to wolf down my food, and take my multivitamin and painkiller. I also receive my wigs that I bought in May. Perfect timing, as I want to wear a new wig tomorrow for our girls’ day out.
I do some more work, and remind my team to send me the information I need for my daily reports.
1300 – I go out to buy a few items I didn’t find in Pick ‘n’ Pay earlier**. I go to Spar and buy peas, eggs, soft drinks for the outing tomorrow and a sausage roll. Total cost is $10**. The outing has been deemed kid friendly, so I needed drinks for the boys to have tomorrow. I get back into the office, and spend the rest of the lunch hour working.
1600 – It’s finally time to go home. I send my email to handover work issues for the person who will take over my role on Monday while I am on leave. I also send my out of office email, and head home. The kids are at their grandmother’s, so I take a leisurely bath, put on my pyjamas and eat dinner. Then I watch Masterchef Australia until P and E get home. I also get in some French Duolingo practice
2000 – P goes out with his friends, so I snuggle up on the couch with E and watch TV. I put E to bed, read him his bedtime story and kiss him good night. I finally finish season 13 of Masterchef Australia, and move on to My Kitchen Rules Australia. I love Australian reality shows, ngl.
2200 – I go to bed P gets home and tells me some bad news about a friend of ours. I feel very sad for him. He cuddles me and we sleep.
Total spent - $20
​
Day 3
0700 – I wake up feeling like a truck ran me over. I get out of bed, and get ready to hand-wash our laundry. We still have no running water so we can’t use the washing machine. I play music while doing my laundry to keep me motivated
0900 – Laundry has been hung out to dry. F has cooked potato curry, so I boil eggs and water. I have my breakfast of potato curry, egg, multivitamin and coffee. Once I’m done, I give E a bath and dress him. I also bath, moisturize, do my brows and get dressed. I’m wearing jeans and a t-shirt today as my friends and I ae supposed to take our kids out for a playdate. Then I receive a message that the outing is cancelled since one of our group is really sick. I try to think of something I can do with E, since L is out having fun with his grandmother. I do my Swahili Duolingo practice.
1100 – The welder comes to do some work on our garage door. I monitor the work for a bit, and then my nephew takes over. E starts really bugging me to go out. So I put on my headband wig and sneakers, and pack a cooler bag with snacks and drinks. We head into town and I buy myself some ciders for $9. These are for me to drink when the mood strikes me. E wants to go to a resort by the lake so I oblige him. We pay $8 for our entrance. He goes to play on the swings, and I take pictures of him having fun. Another family turns up, and one of his classmates is among them. He’s so happy, and goes to play with his friend. I watch him running around.
1500 – I get a call from my friend that she’s in town with my cake. This cake was meant for the cancelled outing. I pack up our stuff, hustle E into the car and drive back into town. I let out some colourful swear words when I realise I forgot to get our change of $2. Anyway**, I meet up with my friend and get the cake, and pay her $30**. It’s so pretty. I call my MIL while still in town to find out what time she will be there so I can pick up L. She says it will be an hour, so E and I head home to drop off the cake so it doesn’t melt in my AC-less car.
1600 – We are back in town waiting for L and MIL. E wants an ice cream so I buy him one for $0.50 using money I had in my Innbucks wallet. MIL calls and asks me to head over to where she is to pick L up since she can’t leave yet. E and I get there. MIL gets me sadza and goat tripe stew, which I eat a bit of to be polite even though I am not hungry. When I’m done, I pack up the kids and drive home. I bath and change into my pyjamas.
1800 – I feed the kids, and we play until their weekend bedtime of 8pm. I read them their bedtime stories and tuck them in. I watch TV and iron my morning laundry while having a gin and juice until 9pm, and head to read in bed. P and my nephew arrive home from their amateur soccer league match and subsequent outing with the boys. I fall asleep soon after.
Total spent - $49.50
​
Day 4
0700 – I’m woken up by L demanding that I come and play with them. I am still sleepy so I fob him off.
0900 - F knocks on the door and tells us she is off to church. I finally get out of bed and get dressed. I see the boys playing relatively peacefully so I let them continue with their antics. In the kitchen, I find F had cooked breakfast, and since I’m starving, I heat up water for coffee. L surprisingly isn’t hungry so I serve up breakfast for P and me. I have my daily multivitamin. P heads out to go fetch water, while I bath, change and hang out with the kids. I also do my French Duolingo practice for the day
1200 – I have played with the dogs and kids, and I am exhausted. I collapse onto the couch and watch MKR Australia. P gets home, and naps on the couch. I give the kids haircuts and baths.
1700 – L is hungry and really wants cake, so I feed the kids a dinner of sadza and sour milk. Then some cake for dessert. I also pack L’s school lunch, which will be a polony sandwich, a cupcake and juice. The kids play until its bedtime at 7pm. The usual routine, bedtime stories and tuck in is done
2000 – P and I watch a movie while having some alcoholic drinks.
2200 – Bedtime for us
Total spent - $0
​
Day 5
0600 – It’s my birthday today. I am going all out celebrating myself since TW I tried unaliving myself twice in the past year. L wishes me a happy birthday before he goes to school. I get birthday messages from my mum, dad, SILs, and friends. I also get a call from my brother, his wife and their son, and they sing to me. I feel very loved today. P goes to drop off E at school today so I can sleep in
0800 – I am finally up and hungry. I cook a quick breakfast of boiled eggs, and a bean curry. P takes my car to get serviced, while I bath, moisturize, contact lenses, do a full face of makeup and get dressed for the day. Today I wear a tie-dyed cutout mini-dress and sneakers, and my wavy headband wig
1300 – P is home and he drives me to a hotel outside town near a renowned tourist site in our country. We have a platter of fried fish, chicken strips, pork strips, fries, and a salad to share and multiple Savannah Drys while there. It’s really nice getting to reconnect after a very tumultuous year in our marriage. P pays.
1700 – We drive around the area, before heading home. Once we get home, P and my nephew go on a hunt for water, while I feed the kids. P and I head off to take our showers. I remember why I don’t do a full face of makeup when it take a long time to get the makeup off my face.
1900 – The family sings happy birthday, and we eat cake. Birthday gifts were gin and chocolate. I hustle the boys off to bed. No story today, as they went to bed later than usual. P watches TV while I read my novel.
2100 – Bedtime for the grownups
Total spent - $0
​
Day 6
0530 – I wake up and lie in bed for a bit. Then I read my novel some more.
0620 – I am up, and take my bath, moisturize, do my brows and get dressed. It’s cold this morning, so I wear a yellow dress with black polka dots, black tights and ankle boots. I pack up the cake I’m giving to my colleagues, as well as my water bottle. E and I head out. I drop E off at school, and go to the office. I log into the work register, turn on my computer, and check my emails. There are a few pressing issues I need to get up to speed with. One of my colleagues gives me $50 as a birthday gift. I also hand out the cake to my team.
0900 – Work is pretty quiet today, so I update my MD. I also receive news that one of my nephews is getting married. He is not that much younger than me, and could be my younger brother, but it makes me feel so old.
Note on my family: In our culture, even distant relatives are given close relationships so the large number of nephews/nieces is from those relationships. It’s a big thing done to maintain close family bonds. I have 4 actual (in a Western sense) nephews and nieces who are all under the age of 6.
1000 – I head to the supermarket and buy bread, onions, carrots, pork chops, pork trotters and my breakfast and lunch. This costs $25. The meat is the main cost driver here. I have a sausage roll, my multivitamin, supplement and milk for breakfast. I remember that I need to check if my stock exchange wallet was credited, ugh. The website is refusing to load and I’m very frustrated. I finally log in and see the amount is still not credited. I email and send a tweet to the stock exchange. Hopefully the tweet will get them to start moving.
1200 – My boss is mad. One member of my team left his desk without informing me and there’s an urgent matter. I was about to go downstairs to give P the groceries, so I stick around for a bit before committing the same offence as my subordinate, lol. I quickly get back into my office and check on work, sign some papers and letters, and clear out my emails.
1300 – My work bestie has to run other errands at lunch so I decide to stay in the office. I check my personal email and see I have received a dividend of $0.27, lol. The share price will probably drop soon, so I will buy more shares in this counter if I can get them to increase my shareholding. My goal for this year is to breach the 10,000 share mark for one counter. I suddenly remember I have work to do, so I use my lunch hour to do the work, and then take a quick break to eat my lunch of fries and a sausage and do some Swahili Duolingo practice.
1500 – I am thinking of going home when one of my team members calls me to deal with an angry client. I go to the office, and find out it’s a surprise birthday party from my team. I am so happy, lol. We have more cake, and there’s also fruit and juice. I head home feeling so appreciated with even more cake.
1700 – P and my nephew go out to get water. I warm up my bath water, and give the kids their dinner. Today its rice and croc meat. I make L’s lunch for tomorrow, a toasted polony sandwich and juice. I also pack my lunch, rice, a fried egg and peas. And some cake for my work bestie’s kids. I take my bath; change into my pyjamas and hound E to eat his food. If we let that kid be, he would probably live on the bits of our souls he sucks out daily by being stubborn. I am feeling nauseous so I have plain rice with a bit of avocado. The kids watch cartoons, while I do some more Swahili on Duolingo.
1900 – Bedtime for the kids. Today, there’s no demand for a bedtime story, so I just tuck them in and tell them I love them. I read my novel as increasingly feel more nauseated. I end up going to hurl my guts out. P comes home and finds me lying limply on the bed. He gives me a cuddle, and goes to eat his dinner. I get up but smell fish, and run back to throw up. If I hadn’t had a hysterectomy, I would be doing a pregnancy test ASAP.
2100 – I go to bed, and lie in bed for a bit, before finally drifting off.
Total spent - $25
​
Day 7
0500 – I wake up feeling nauseated again. Ugh, this reminds me of having hyperemesis while pregnant. I put my water on to heat and get back in bed to read some more.
0600 – E comes to lie on our bed. I get out of bed, and go throw up. I get my bath water, take my bath, moisturize and put my contacts in. I look like a reanimated corpse this morning. I do my brows to try bring a bit of life to my face and get dressed. It’s very misty and cold today so I put on warm brown tights, a long black dress, my warm jacket and ballet flats. I grab my lunch and the cake, pop E into the car and head out. Visibility is extremely low, so I drive slowly. I don’t know why people like surprising other drivers by having their cars pop out of the mist without switching on their headlights. I successfully avoid the drivers who hate life and drop E off at school before heading to work.
0700 – I am in the office, and I log into the register, before turning on my computer and checking my work email. Not too much in there, so I check my personal email. My stock exchange wallet has finally been credited with the $100. I also ponder whether I should pull the trigger on a V-part wig.
I do my weekly report, and start doing some boring work in the system. I realise I didn’t save the work I did yesterday, so I have to re-do it, so I can have the list of error messages to send to ICT.
0830 – Everyone is in the office, so I do some reshuffling of duties, so that essential areas are covered while one of my colleagues is on leave. I give the cake to work bestie, who tells me how much her daughter was excited over the cake yesterday. It’s now time for me to put my head down and really focus on knocking out the system work today. I also log into an online training, and I listen while doing my work. My mum also deposits money for my birthday gift and to spoil her grandkids.
1000 – I log into my stock exchange account and buy shares for $99.14 (doesn’t count as spending, as the money was moved before the MD started). The deadline for other departments to submit their weekly reports to me for consolidation has passed so I start following up. One department is a big problem as they always send their report late. Le sigh. I draft a very passive aggressive email to them. I also decide not to buy the wig and instead ask the person making me my custom earrings that I got myself for my birthday to bill me the rest of the money so I can pay and move the remainder of the money in my account into savings. Our currency has taken an enormous hit in the last week, and is free falling dramatically. I’d rather keep USD cash than money in my account at this point. The training finally ends.
1100 – I’m getting hungry so I go warm up my lunch, sprinkle on peri peri Aromat and dig in. Yum. I also have my multivitamin and supplement. A lady who sells local snacks comes in. She persuades me to buy maputi (corn nuts mixed with roasted peanuts) for $0.50. I buy them for my afternoon snack. I end up sending the report with missing statistics, and tell the department to send directly to the compiler, as they were late. That was a very aggressive email tbh. I’m still hungry, so I munch on my maputi, leaving the peanuts because I don’t feel like eating them lately.
1200 – I see a missed call from a number I don’t know. I call and it turns out they had sent money to my mobile wallet mistakenly. I check the mobile wallet and it shows it had an extra $11. I send the money back to the person. Times are too tough to keep people’s money
1400 – I snack on a few skittles instead of having more food. I just want something to entertain my mouth, I’m not hungry at all. I review more work and drink more water. The jeweler has sent the payment request for the earrings. I pay $100 (total spent on the earrings comes to $200, which is worth it for sterling silver custom made Jewellery. I use $50 of the birthday money from my mum to cover for part of this expense)
1600 – Finally time to go home. I shut down my computer, and drive home. Once I’m home, I put on my bath water, and help L do his homework. Then I do some Swahili Duolingo practice and pack L’s lunch for tomorrow. He requested maize (corn on the cob), a boiled egg and a naartjie. His wish is my command for once. I also pack my lunch, a boiled egg, peanut butter sandwich and a bit of birthday cake. The jeweler sends pictures of the final product. They are absolutely gorgeous. Happy 34th birthday to me!!!
1800 – I serve the kids their dinner, and go to take my bath. P sends a text that he will be home late as they are working late today. I have my own dinner while persuading E to eat his food
1900 – Bedtime for the kids. I read them their bedtime stories, tuck them in and tell them I love them. Then I go to watch TV. I’m catching up on Married to Real Estate, Food Factory and Man Vs Food. You can tell that reality TV is my jam.
2100 – I decide to have some decaf black coffee and cake as my bedtime snack. P and my nephew arrive home. They are later than they thought they would be because nephew dropped his phone in the middle of the highway and they were searching for it. Because nephew’s ancestors were on the job, they found it intact. It’s a big deal because this is a major highway and huge trucks use that road constantly. I chat with P as he has his dinner and takes his bath.
2200 – Cuddles and bedtime for us
​
Total spent today – $100
​
Total spent this week – $204.50
​
Spending by categories
Food & Drink – $84.50
Home & Health – $0
Clothing & Beauty – $110
Transportation – $0
Fun & Entertainment – $10
​
Reflections on this week’s spending
The spending is pretty much about normal for me tbh (excluding the cake and earrings). I had quite a bit of petrol in the tank so I didn’t need to top up my tank this week. The converted US$ prices are a bit inaccurate since our currency had a big drop this week, and most of my spending is in local currency. I could reign in my spending a bit, and focus more on investing. However, I do enjoy using my money to bring joy to my kids and myself. Particularly myself after the absolutely shitty year I had.

Nothing is worse than getting into a job and finding out that it's not what you thought it was. So I decided to work for an insurance company that has recently bought out a certain "who-break-me-fix". My job is to deliver, activate, and diagnose any or all phones issues. The other half of my job is to sell insurance for in-home devices like a doorbell or TV. I come to find out I am actually pretty good at convincing a customer that the product is worth their time and money. I am the number one salesman 2 months in a row and I plan on aiming for number one for the third month at the end of this month. I am getting tired with the job already as I have to drive 500 miles+ a week for the job. The pay is great for what it is, 21/hourly+commission+65 cent per mile+30 dollar phone payment reimbursement. I also have a 5/5 star customer review so that shows I am pretty good with people. I want to find a different job but I am not sure where I can go with this jobs experience. I think about getting into a sales job like selling insurance or becoming a phone dealer but my real goal is to get into networking and I.T. My boyfriend wants me to complete my Security+ exam and work with him at a hospital, which would be cool, but I am not sure if I am ready to take the exam just yet. Any advice would be great, thank you

Digital drawing tablet market is anticipated to grow at a significant CAGR of 4.5% during the forecast period. The rise in digitization, increasing preference towards more hi-tech approaches, and technology in most of the industries have shifted consumers' preference towards digital drawing or graphic tablets in the past few years. More and more artists are shifting to use these tablets owing to its easy carry feature as compared to traditional drawing. It has contributed to the growth of the market which can be seen in the market players' growth. For instance, as per the annual report of ViewSonic, the company faced 22% year-on-year growth in 2020.
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With the help of apparent insights depicted here into a wide range of product and service releases by key competitors in the market, novice players are able to position themselves in the vast market. It is an indispensable need to get detailed idea to track future business growth and this Digital Drawing Tablet Market research report is the best medium to get that vision. It also aims at providing market environment along with covering complete market information Digital Drawing Tablet Market research report also enables business owners to have firm grasp over what consumers exactly expect, their future demands, wants and preferences by offering detailed customer related data. It further discusses about key market players and ongoing latest trends.
This informative yet easy to understand Digital Drawing Tablet Market study report covers wide-ranging product launch wise latest trends, regulatory shifts and other important factors, which are expected to affect the overall industry growth for the approaching time span 2022-2028. It aims at providing detailed knowledge about what customers exactly want from which key players can make sound decision making for the growth of business. It also aims at measuring marketing effectiveness. SWOT Analysis technique is also employed to form the market research report to cover helpful opportunities, possible challenges and threats. Impact of new corona virus on the global economy is also shared in this Digital Drawing Tablet Market report. Collaborations, mergers and acquisitions like strategies are also covered in this market study report.
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· Market Coverage
· Market number available for – 2023-2029
· Base year- 2022
· Forecast period- 2023-2029
· Segment Covered- By Source, By Product Type, By Applications
· Competitive Landscape- Archer Daniels Midland Co., Ingredion Inc., Kerry Group Plc, Cargill
· Inc., and others
Global Digital Drawing Tablet Market Report Segment
By Type
​

• Digitizer Tablet
• Monitor Tablet
• Tablet PC

By Application
​

• Industrial Design
• Animation & Film
• Advertising
• Others (Education)

Global Digital Drawing Tablet Market Report Segment by Region
North America
• US
• Canada
Europe
• UK
• Germany
• Italy
• Spain
• France
• Rest of Europe
Asia-Pacific
• China
• India
• Japan
• South Korea
• Rest of Asia-Pacific
Rest of the World
• Latin America
• Middle East & Africa
The Report Covers
​

• Annualized market revenues ($ million) for each market segment.
• Country-wise analysis of major geographical regions.
• Key companies operating in the global digital drawing tablet market. Based on the availability of data, information related to new product launches, and relevant news is also available in the report.
• Analysis of business strategies by identifying the key market segments positioned for strong growth in the future.
• Analysis of market-entry and market expansion strategies.
• Competitive strategies by identifying ‘who-stands-where’ in the market.

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Hello all,
I am evaluating an offer I got from a public agency in the US. I used to work for private company and pays FICA and has 401(k), which I was suprised to learn that the public agency says they do not participate in social security and they provide 401(a), which they said is managed by a private company. The 401(a) requires both employee and employer contribution and for the employer part there is a 4-year vest schedule. But they do not have something like the Railroad Retirement Board (RRB) from Amtrak, only the 401(a) account.
I am confused by whether Windfall Elimination Provision applied to this situation and if so, how. Hopefully someone has experience with this situation.
For instance if I decided to only work 11 years and then stop working to wait for retirement (or perhaps working in a different country so there is no social security).
I start working at a private company for a total of 10 years, earning average 140k per year and then stop working and wait until I am 65. My average monthly income will be 140k * 10 / 35 / 12 = 3333, assuming this is the average indexed monthly earnings. And using the 2023 PIA it will be $0.9*1115 + .32(3333 - 1115) = 1,713.26
Then I switch to a public agency and work for one year and then stop working at all. According to WEP and I do not have significantly to SSA for 30 years, from the table the first band point will drop from 0.9 -> 0.4, so if I work for a public agency for just one year, will it drop by PIA to 0.4*1115 + .32(3333 - 1115) = 1,155.76?
If this is true, it means I will be losing ~ $560/month of social security benefit just by accepting a public agency job, but this does not make sense so I feel I must have misunderstood something. Or is this formula adjustment only applies to the specific year I work under the public agency (which means the year I receive payment from the public agency will still count toward the final number but just those year will have a different PIA)
Thanks a lot and sorry for the long post.

Hey all,
43 here, married with 3 kids.
I've been working 15 years for the same company and currently make about 60,000 per year after my last raise in January. My wife does not work, preferring to be a stay at home Mom even though our youngest kid is in 2nd grade.
The escrow on our 5 br home in Texas got recalculated and our monthly mortgage payment increased by $200.
I am scratching my head on where to cut costs in our budget. We literally skimp on everything and do not see what else we can do to cut costs. Our monthly budget is outlined below. Appreciate the insight, our financial planner says we should stop paying tithing or turn our thermostat up 2 degrees but those aren't really options for us at the moment.
Net income:4200 Tithing to church: 700 Groceries: 800 Electric/gas bill: 1200 Horse food and stable: 800 Mortgage: 1200 Internet: 100 Car payments: 1000
We are now in the red each month after the escrow increase.
I've run the numbers a few times but I honestly don't know where else we can make cuts in our budget. If any of you have any suggestions they would be appreciated.
Please keep in mind that the tithing is mandatory, my bishop says that tithing will actually be a net benefit when we factor in financial blessings from Heavenly Father, which I don't think my work would have bumped me to 60k per year if I didn't pay tithing. My kids and wife really enjoy seeing the horse too, though we only get out to see it once every two months since the stable is in Amarillo and we are in Dallas so the horse we can't really get rid of.
Anyway tia for your insight and thoughts.

Added revivesanctuaries feature that automatically revives investor sancs once per 24 hours giving them a passive reward
Added Sanctuary Mining meaning that Sanctuaries are the only nodes that can mine blocks.
Added Unchained Desktop, which allows our user to view streaming videos, view gospel content
Added the BiblePay Phone System, which allows our users to make long distance phone calls around the world, and provides a real US phone number for them to receive phone calls on
Removed Portfolio Builder and Turnkey Sanctuaries in favor of Active/Passive Sanctuaries
Adjusted the Block Reward percentages to allocate the entire reward to the sanctuary for the block
Removed RandomX heat mining (Kept RandomX hashes in the wallet for Sanctuary block checking)

1. Digital Storage (Memory) 12.1. Why digital? The advantages of the digital systems over the analog systems are the reproducibility of the results and accuracy; the ease of design (no special math skills needed to visualize the behavior of small digital logic circuits); the flexibility and functionality; the programmability; the speed (a digital logic element can produce an output in less than 10 nanoseconds) and the economy (due to the integration of millions of digital logic elements on a single miniature chip forming low cost integrated circuit (ICs). 12.2. Digital Memory Terms and Concepts data – stored information address – the location of the data

tracks and sectors – physical location of the data random access – to address quickly and precisely a specific data location within the device sequential access – the function of the random access is not possible here writing – storing a piece of data to a memory device reading – retrieving data from a memory device read-only memory (ROM) – pre-written memory device, that does not allow the writing of new data read-write memory – pre-written or blank memory device, that allows to be re- written volatile memory – an electric power is maintained to the circuit non-volatile memory – no source of power is needed to maintain data storage random access memory (RAM) – volatile electronic memory read-only memory (ROM) – non-volatile memory integrated circuit 12.3. Modern Nonmechanical Memory A very simple type of electronic memory is the bistable multivibrator. Capable of storing a single bit of data, it is volatile (requiring power to maintain its memory) and very fast. The D-latch is probably the simplest implementation of a bistable multivibrator for memory usage, the D input serving as the data “write” input, the Q output serving as the “read” output, and the enable input serving as the read/write control line:
If we desire more than one bit’s worth of storage, we’ll have to have many latches arranged in some kind of an array where we can selectively address which one (or which set) we’re reading from or writing to. Using a pair of tristate buffers, we can connect both the data write input and the data read output to a common data bus line, and enable those buffers to either connect the Q output to the data line (READ), connect the D input to the data line (WRITE), or keep both buffers in the High-Z state to disconnect D and Q from the data line (unaddressed mode). One memory “cell” would look like this, internally: When the address enable input is 0, both tristate buffers will be placed in high- Z mode, and the latch will be disconnected from the data input/output (bus) line. Only when the address enable input is active (1) will the latch be connected to the data bus. Every latch circuit, of course, will be enabled with a different “address enable” (AE) input line, which will come from a 1-of-n output decoder:
In the above circuit, 16 memory cells are individually addressed with a 4- bit binary code input into the decoder. If a cell is not addressed, it will be disconnected from the 1-bit data bus by its internal tristate buffers: consequently, data cannot be either written or read through the bus to or from that cell. Only the cell circuit that is addressed by the 4-bit decoder input will be accessible through the data bus. This simple memory circuit is random- access and volatile. Technically, it is known as static RAM. Its total memory capacity is 16 bits. Since it contains 16 addresses and has a data bus that is 1 bit wide, it would be designated as a 16 x 1 bit static RAM circuit. As you can see, it takes an incredible number of gates (and multiple transistors per gate) to construct a practical static RAM circuit. This makes the static RAM a relatively low-density device, with less capacity than most other types of RAM technology per unit IC chip space. Because each cell circuit consumes a certain amount of power, the overall power consumption for a large array of cells can be quite high. Early static RAM banks in personal computers consumed a fair amount of power and generated a lot of heat, too. CMOS IC technology has made it possible to lower the specific power consumption of static RAM circuits, but low storage density is still an issue. To address this, engineers
turned to the capacitor instead of the bistable multivibrator as a means of storing binary data. A tiny capacitor could serve as a memory cell, complete with a single MOSFET transistor for connecting it to the data bus for charging (writing a 1), discharging (writing a 0), or reading. Unfortunately, such tiny capacitors have very small capacitances, and their charge tends to “leak” away through any circuit impedances quite rapidly. To combat this tendency, engineers designed circuits internal to the RAM memory chip which would periodically read all cells and recharge (or “refresh”) the capacitors as needed. Although this added to the complexity of the circuit, it still required far less componentry than a RAM built of multivibrators. They called this type of memory circuit a dynamic RAM, because of its need of periodic refreshing. Recent advances in IC chip manufacturing have led to the introduction of flash memory, which works on a capacitive storage principle like the dynamic RAM but uses the insulated gate of a MOSFET as the capacitor itself. Before the advent of transistors (especially the MOSFET), engineers had to implement digital circuitry with gates constructed from vacuum tubes. The enormous comparative size and power consumption of a vacuum tube as compared to a transistor made memory circuits like static and dynamic RAM a practical impossibility. Other, rather ingenious, techniques to store digital data without the use of moving parts were developed. 12.4. Historical, Nonmechanical Memory Technologies Perhaps the most ingenious technique was that of the delay line. A delay line is any kind of device which delays the propagation of a pulse or wave signal. The delay line “stores” data on a very temporary basis if the signal is not strengthened periodically, but the very fact that it stores data at all is a phenomenon exploitable for memory technology. Early computer delay lines used long tubes filled with liquid mercury, which was used as the physical medium through which sound waves traveled along the length of the tube. An electrical/sound transducer was mounted at each end, one to create sound waves from electrical impulses, and the other to generate electrical impulses from sound waves. A stream of serial binary data was sent to the transmitting transducer as a voltage signal. The sequence of sound waves would travel from left to right through the mercury in the tube and be received by the transducer at the other end. The receiving transducer would receive the pulses in the same order as they were transmitted:
The next major advance in computer memory came when engineers turned to magnetic materials as a means of storing binary data. It was discovered that certain compounds of iron, namely “ferrite,” possessed hysteresis curves that were almost square: Shown on a graph with the strength of the applied magnetic field on the horizontal axis (field intensity), and the actual magnetization (orientation of electron spins in the ferrite material) on the vertical axis (flux density), ferrite won’t become magnetized one direction until the applied field exceeds a critical threshold value. Once that critical value is exceeded, the electrons in the ferrite “snap” into magnetic alignment and the ferrite becomes magnetized.
Jay Forrester of MIT applied this principle in inventing the magnetic “core” memory, which became the dominant computer memory technology during the 1970’s. A grid of wires, electrically insulated from one another, crossed through the center of many ferrite rings, each of which being called a “core.” As DC current moved through any wire from the power supply to ground, a circular magnetic field was generated around that energized wire. The resistor values were set so that the amount of current at the regulated power supply voltage would produce slightly more than 1/2 the critical magnetic field strength needed to magnetize any one of the ferrite rings. Therefore, if column #4 wire was energized, all the cores on that column would be subjected to the magnetic field from that one wire, but it would not be strong enough to change the magnetization of any of those cores. However, if column #4 wire and row #5 wire were both energized, the core at that intersection of column #4 and row #5 would be subjected to a sum of those two magnetic fields: a magnitude strong enough to “set” or “reset” the magnetization of that core. In other
words, each core was addressed by the intersection of row and column. The distinction between “set” and “reset” was the direction of the core’s magnetic polarity, and that bit value of data would be determined by the polarity of the voltages (with respect to ground) that the row and column wires would be energized with. The following photograph shows a core memory board from a Data General brand, “Nova” model computer, circa late 1960’s or early 1970’s. It had a total storage capacity of 4 kbytes. A ball-point pen is shown for size comparison: 12.5. Read-Only Memory (ROM) Read-only memory (ROM) is similar in design to static or dynamic RAM circuits, except that the “latching” mechanism is made for one-time (or limited) operation. The simplest type of ROM is that which uses tiny “fuses” which can be selectively blown or left alone to represent the two binary states. Obviously, once one of the little fuses is blown, it cannot be made whole again, so the writing of such ROM circuits is one-time only. Because it can be written (programmed) once, these circuits are sometimes referred to as PROMs (Programmable Read-Only Memory).
However, not all writing methods are as permanent as blown fuses. If a transistor latch can be made which is resettable only with significant effort, a memory device that’s something of a cross between a RAM and a ROM can be built. Such a device is given a rather oxymoronic name: the EPROM (Erasable Programmable Read-Only Memory). EPROMs come in two basic varieties: Electrically-erasable (EEPROM) and Ultraviolet-erasable (UV/EPROM). Both types of EPROMs use capacitive charge MOSFET devices to latch on or off. UV/EPROMs are “cleared” by long-term exposure to ultraviolet light. They are easy to identify: they have a transparent glass window which exposes the silicon chip material to light. Once programmed, you must cover that glass window with tape to prevent ambient light from degrading the data over time. EPROMs are often programmed using higher signal voltages than what is used during “read-only” mode. 12.6. Memory with moving parts: ‘’Drives’’ Modern disk drives use multiple platters made of hard material (hence the name, “hard drive”) with multiple read/write heads for every platter. The gap between the head and platter is much smaller than the diameter of a human hair. If the hermetically sealed environment inside a hard disk drive is contaminated with outside air, the hard drive will be rendered useless. Dust will lodge between the heads and the platters, causing damage to the surface of the media. Here is a hard drive with four platters, although the angle of the shot only allows viewing of the top platter. This unit is complete with drive motor, read/write heads, and associated electronics. It has a storage capacity of 340 Mbytes, and is about the same length as the ball-point pen shown in the previous photograph:
An incentive for digital data storage technology advancement was the advent of digitally encoded music. A joint venture between Sony and Phillips resulted in the release of the “compact audio disc” (CD) to the public in the late 1980’s. This technology is a read-only type, the media being a transparent plastic disc backed by a thin film of aluminum. Binary bits are encoded as pits in the plastic which vary the path length of a low-power laser beam. Data is read by the low-power laser (the beam of which can be focused more precisely than normal light) reflecting off the aluminum to a photocell receiver. The advantages of CDs over magnetic tape are legion. Being digital, the information is highly resistant to corruption. Being non-contact in operation, there is no wear incurred through playing. Being optical, they are immune to magnetic fields (which can easily corrupt data on magnetic tape or disks). It is possible to purchase CD “burner” drives which contain the high-power laser necessary to write to a blank disc. Following on the heels of the music industry, the video entertainment industry has leveraged the technology of optical storage with the introduction of the Digital Video Disc, or DVD. Using a similar-sized plastic disc as the music CD, a DVD employs closer spacing of pits to achieve much greater storage density. This increased density allows feature-length movies to be encoded on DVD media, complete with trivia information about the movie, director’s notes, and so on. Much effort is being directed toward the development of a practical read/write optical disc (CD-W). Success has been found in using chemical substances whose color may be changed through exposure to bright laser light, then “read” by lower-intensity light. These optical discs are immediately identified by their characteristically colored surfaces, as opposed to the silver-colored underside of a standard CD

COINTELPRO Techniques for dilution, misdirection and control of a internet forum - Reposting

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Reposting this, long read but relevant for the coming deluge of 💩
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1. COINTELPRO Techniques for dilution, misdirection and control of a internet forum
2. Twenty-Five Rules of Disinformation
3. Eight Traits of the Disinformationalist
4. How to Spot a Spy (Cointelpro Agent)
5. Seventeen Techniques for Truth Suppression

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COINTELPRO Techniques for dilution, misdirection and control of a internet forum..
There are several techniques for the control and manipulation of a internet forum no matter what, or who is on it. We will go over each technique and demonstrate that only a minimal number of operatives can be used to eventually and effectively gain a control of a 'uncontrolled forum.'
Technique #1 - 'FORUM SLIDING'
If a very sensitive posting of a critical nature has been posted on a forum - it can be quickly removed from public view by 'forum sliding.' In this technique a number of unrelated posts are quietly prepositioned on the forum and allowed to 'age.' Each of these misdirectional forum postings can then be called upon at will to trigger a 'forum slide.' The second requirement is that several fake accounts exist, which can be called upon, to ensure that this technique is not exposed to the public. To trigger a 'forum slide' and 'flush' the critical post out of public view it is simply a matter of logging into each account both real and fake and then 'replying' to prepositined postings with a simple 1 or 2 line comment. This brings the unrelated postings to the top of the forum list, and the critical posting 'slides' down the front page, and quickly out of public view. Although it is difficult or impossible to censor the posting it is now lost in a sea of unrelated and unuseful postings. By this means it becomes effective to keep the readers of the forum reading unrelated and non-issue items.
Technique #2 - 'CONSENSUS CRACKING'
A second highly effective technique (which you can see in operation all the time at www.abovetopsecret.com) is 'consensus cracking.' To develop a consensus crack, the following technique is used. Under the guise of a fake account a posting is made which looks legitimate and is towards the truth is made - but the critical point is that it has a VERY WEAK PREMISE without substantive proof to back the posting. Once this is done then under alternative fake accounts a very strong position in your favour is slowly introduced over the life of the posting. It is IMPERATIVE that both sides are initially presented, so the uninformed reader cannot determine which side is the truth. As postings and replies are made the stronger 'evidence' or disinformation in your favour is slowly 'seeded in.' Thus the uninformed reader will most like develop the same position as you, and if their position is against you their opposition to your posting will be most likely dropped. However in some cases where the forum members are highly educated and can counter your disinformation with real facts and linked postings, you can then 'abort' the consensus cracking by initiating a 'forum slide.'
Technique #3 - 'TOPIC DILUTION'
Topic dilution is not only effective in forum sliding it is also very useful in keeping the forum readers on unrelated and non-productive issues. This is a critical and useful technique to cause a 'RESOURCE BURN.' By implementing continual and non-related postings that distract and disrupt (trolling ) the forum readers they are more effectively stopped from anything of any real productivity. If the intensity of gradual dilution is intense enough, the readers will effectively stop researching and simply slip into a 'gossip mode.' In this state they can be more easily misdirected away from facts towards uninformed conjecture and opinion. The less informed they are the more effective and easy it becomes to control the entire group in the direction that you would desire the group to go in. It must be stressed that a proper assessment of the psychological capabilities and levels of education is first determined of the group to determine at what level to 'drive in the wedge.' By being too far off topic too quickly it may trigger censorship by a forum moderator.
Technique #4 - 'INFORMATION COLLECTION'
Information collection is also a very effective method to determine the psychological level of the forum members, and to gather intelligence that can be used against them. In this technique in a light and positive environment a 'show you mine so me yours' posting is initiated. From the number of replies and the answers that are provided much statistical information can be gathered. An example is to post your 'favourite weapon' and then encourage other members of the forum to showcase what they have. In this matter it can be determined by reverse proration what percentage of the forum community owns a firearm, and or a illegal weapon. This same method can be used by posing as one of the form members and posting your favourite 'technique of operation.' From the replies various methods that the group utilizes can be studied and effective methods developed to stop them from their activities.
Technique #5 - 'ANGER TROLLING'
Statistically, there is always a percentage of the forum posters who are more inclined to violence. In order to determine who these individuals are, it is a requirement to present a image to the forum to deliberately incite a strong psychological reaction. From this the most violent in the group can be effectively singled out for reverse IP location and possibly local enforcement tracking. To accomplish this only requires posting a link to a video depicting a local police officer massively abusing his power against a very innocent individual. Statistically of the million or so police officers in America there is always one or two being caught abusing there powers and the taping of the activity can be then used for intelligence gathering purposes - without the requirement to 'stage' a fake abuse video. This method is extremely effective, and the more so the more abusive the video can be made to look. Sometimes it is useful to 'lead' the forum by replying to your own posting with your own statement of violent intent, and that you 'do not care what the authorities think!!' inflammation. By doing this and showing no fear it may be more effective in getting the more silent and self-disciplined violent intent members of the forum to slip and post their real intentions. This can be used later in a court of law during prosecution.
Technique #6 - 'GAINING FULL CONTROL'
It is important to also be harvesting and continually maneuvering for a forum moderator position. Once this position is obtained, the forum can then be effectively and quietly controlled by deleting unfavourable postings - and one can eventually steer the forum into complete failure and lack of interest by the general public. This is the 'ultimate victory' as the forum is no longer participated with by the general public and no longer useful in maintaining their freedoms. Depending on the level of control you can obtain, you can deliberately steer a forum into defeat by censoring postings, deleting memberships, flooding, and or accidentally taking the forum offline. By this method the forum can be quickly killed. However it is not always in the interest to kill a forum as it can be converted into a 'honey pot' gathering center to collect and misdirect newcomers and from this point be completely used for your control for your agenda purposes.
CONCLUSION
Remember these techniques are only effective if the forum participants DO NOT KNOW ABOUT THEM. Once they are aware of these techniques the operation can completely fail, and the forum can become uncontrolled. At this point other avenues must be considered such as initiating a false legal precidence to simply have the forum shut down and taken offline. This is not desirable as it then leaves the enforcement agencies unable to track the percentage of those in the population who always resist attempts for control against them. Many other techniques can be utilized and developed by the individual and as you develop further techniques of infiltration and control it is imperative to share then with HQ.
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Twenty-Five Rules of Disinformation
Note: The first rule and last five (or six, depending on situation) rules are generally not directly within the ability of the traditional disinfo artist to apply. These rules are generally used more directly by those at the leadership, key players, or planning level of the criminal conspiracy or conspiracy to cover up.
1. Hear no evil, see no evil, speak no evil. Regardless of what you know, don't discuss it -- especially if you are a public figure, news anchor, etc. If it's not reported, it didn't happen, and you never have to deal with the issues.
2. Become incredulous and indignant. Avoid discussing key issues and instead focus on side issues which can be used show the topic as being critical of some otherwise sacrosanct group or theme. This is also known as the 'How dare you!' gambit.
3. Create rumor mongers. Avoid discussing issues by describing all charges, regardless of venue or evidence, as mere rumors and wild accusations. Other derogatory terms mutually exclusive of truth may work as well. This method which works especially well with a silent press, because the only way the public can learn of the facts are through such 'arguable rumors'. If you can associate the material with the Internet, use this fact to certify it a 'wild rumor' from a 'bunch of kids on the Internet' which can have no basis in fact.
4. Use a straw man. Find or create a seeming element of your opponent's argument which you can easily knock down to make yourself look good and the opponent to look bad. Either make up an issue you may safely imply exists based on your interpretation of the opponent/opponent arguments/situation, or select the weakest aspect of the weakest charges. Amplify their significance and destroy them in a way which appears to debunk all the charges, real and fabricated alike, while actually avoiding discussion of the real issues.
5. Sidetrack opponents with name calling and ridicule. This is also known as the primary 'attack the messenger' ploy, though other methods qualify as variants of that approach. Associate opponents with unpopular titles such as 'kooks', 'right-wing', 'liberal', 'left-wing', 'terrorists', 'conspiracy buffs', 'radicals', 'militia', 'racists', 'religious fanatics', 'sexual deviates', and so forth. This makes others shrink from support out of fear of gaining the same label, and you avoid dealing with issues.
6. Hit and Run. In any public forum, make a brief attack of your opponent or the opponent position and then scamper off before an answer can be fielded, or simply ignore any answer. This works extremely well in Internet and letters-to-the-editor environments where a steady stream of new identities can be called upon without having to explain criticism, reasoning -- simply make an accusation or other attack, never discussing issues, and never answering any subsequent response, for that would dignify the opponent's viewpoint.
7. Question motives. Twist or amplify any fact which could be taken to imply that the opponent operates out of a hidden personal agenda or other bias. This avoids discussing issues and forces the accuser on the defensive.
8. Invoke authority. Claim for yourself or associate yourself with authority and present your argument with enough 'jargon' and 'minutia' to illustrate you are 'one who knows', and simply say it isn't so without discussing issues or demonstrating concretely why or citing sources.
9. Play Dumb. No matter what evidence or logical argument is offered, avoid discussing issues except with denials they have any credibility, make any sense, provide any proof, contain or make a point, have logic, or support a conclusion. Mix well for maximum effect.
10. Associate opponent charges with old news. A derivative of the straw man -- usually, in any large-scale matter of high visibility, someone will make charges early on which can be or were already easily dealt with - a kind of investment for the future should the matter not be so easily contained.) Where it can be foreseen, have your own side raise a straw man issue and have it dealt with early on as part of the initial contingency plans. Subsequent charges, regardless of validity or new ground uncovered, can usually then be associated with the original charge and dismissed as simply being a rehash without need to address current issues -- so much the better where the opponent is or was involved with the original source.
11. Establish and rely upon fall-back positions. Using a minor matter or element of the facts, take the 'high road' and 'confess' with candor that some innocent mistake, in hindsight, was made -- but that opponents have seized on the opportunity to blow it all out of proportion and imply greater criminalities which, 'just isn't so.' Others can reinforce this on your behalf, later, and even publicly 'call for an end to the nonsense' because you have already 'done the right thing.' Done properly, this can garner sympathy and respect for 'coming clean' and 'owning up' to your mistakes without addressing more serious issues.
12. Enigmas have no solution. Drawing upon the overall umbrella of events surrounding the crime and the multitude of players and events, paint the entire affair as too complex to solve. This causes those otherwise following the matter to begin to lose interest more quickly without having to address the actual issues.
13. Alice in Wonderland Logic. Avoid discussion of the issues by reasoning backwards or with an apparent deductive logic which forbears any actual material fact.
14. Demand complete solutions. Avoid the issues by requiring opponents to solve the crime at hand completely, a ploy which works best with issues qualifying for rule 10.
15. Fit the facts to alternate conclusions. This requires creative thinking unless the crime was planned with contingency conclusions in place.
16. Vanish evidence and witnesses. If it does not exist, it is not fact, and you won't have to address the issue.
17. Change the subject. Usually in connection with one of the other ploys listed here, find a way to side-track the discussion with abrasive or controversial comments in hopes of turning attention to a new, more manageable topic. This works especially well with companions who can 'argue' with you over the new topic and polarize the discussion arena in order to avoid discussing more key issues.
18. Emotionalize, Antagonize, and Goad Opponents. If you can't do anything else, chide and taunt your opponents and draw them into emotional responses which will tend to make them look foolish and overly motivated, and generally render their material somewhat less coherent. Not only will you avoid discussing the issues in the first instance, but even if their emotional response addresses the issue, you can further avoid the issues by then focusing on how 'sensitive they are to criticism.'
19. Ignore proof presented, demand impossible proofs. This is perhaps a variant of the 'play dumb' rule. Regardless of what material may be presented by an opponent in public forums, claim the material irrelevant and demand proof that is impossible for the opponent to come by (it may exist, but not be at his disposal, or it may be something which is known to be safely destroyed or withheld, such as a murder weapon.) In order to completely avoid discussing issues, it may be required that you to categorically deny and be critical of media or books as valid sources, deny that witnesses are acceptable, or even deny that statements made by government or other authorities have any meaning or relevance.
20. False evidence. Whenever possible, introduce new facts or clues designed and manufactured to conflict with opponent presentations -- as useful tools to neutralize sensitive issues or impede resolution. This works best when the crime was designed with contingencies for the purpose, and the facts cannot be easily separated from the fabrications.
21. Call a Grand Jury, Special Prosecutor, or other empowered investigative body. Subvert the (process) to your benefit and effectively neutralize all sensitive issues without open discussion. Once convened, the evidence and testimony are required to be secret when properly handled. For instance, if you own the prosecuting attorney, it can insure a Grand Jury hears no useful evidence and that the evidence is sealed and unavailable to subsequent investigators. Once a favorable verdict is achieved, the matter can be considered officially closed. Usually, this technique is applied to find the guilty innocent, but it can also be used to obtain charges when seeking to frame a victim.
22. Manufacture a new truth. Create your own expert(s), group(s), author(s), leader(s) or influence existing ones willing to forge new ground via scientific, investigative, or social research or testimony which concludes favorably. In this way, if you must actually address issues, you can do so authoritatively.
23. Create bigger distractions. If the above does not seem to be working to distract from sensitive issues, or to prevent unwanted media coverage of unstoppable events such as trials, create bigger news stories (or treat them as such) to distract the multitudes.
24. Silence critics. If the above methods do not prevail, consider removing opponents from circulation by some definitive solution so that the need to address issues is removed entirely. This can be by their death, arrest and detention, blackmail or destruction of their character by release of blackmail information, or merely by destroying them financially, emotionally, or severely damaging their health.
25. Vanish. If you are a key holder of secrets or otherwise overly illuminated and you think the heat is getting too hot, to avoid the issues, vacate the kitchen.
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Eight Traits of the Disinformationalist
1) Avoidance. They never actually discuss issues head-on or provide constructive input, generally avoiding citation of references or credentials. Rather, they merely imply this, that, and the other. Virtually everything about their presentation implies their authority and expert knowledge in the matter without any further justification for credibility.
2) Selectivity. They tend to pick and choose opponents carefully, either applying the hit-and-run approach against mere commentators supportive of opponents, or focusing heavier attacks on key opponents who are known to directly address issues. Should a commentator become argumentative with any success, the focus will shift to include the commentator as well.
3) Coincidental. They tend to surface suddenly and somewhat coincidentally with a new controversial topic with no clear prior record of participation in general discussions in the particular public arena involved. They likewise tend to vanish once the topic is no longer of general concern. They were likely directed or elected to be there for a reason, and vanish with the reason.
4) Teamwork. They tend to operate in self-congratulatory and complementary packs or teams. Of course, this can happen naturally in any public forum, but there will likely be an ongoing pattern of frequent exchanges of this sort where professionals are involved. Sometimes one of the players will infiltrate the opponent camp to become a source for straw man or other tactics designed to dilute opponent presentation strength.
5) Anti-conspiratorial. They almost always have disdain for 'conspiracy theorists' and, usually, for those who in any way believe JFK was not killed by LHO. Ask yourself why, if they hold such disdain for conspiracy theorists, do they focus on defending a single topic discussed in a NG focusing on conspiracies? One might think they would either be trying to make fools of everyone on every topic, or simply ignore the group they hold in such disdain.Or, one might more rightly conclude they have an ulterior motive for their actions in going out of their way to focus as they do.
6) Artificial Emotions. An odd kind of 'artificial' emotionalism and an unusually thick skin -- an ability to persevere and persist even in the face of overwhelming criticism and unacceptance. This likely stems from intelligence community training that, no matter how condemning the evidence, deny everything, and never become emotionally involved or reactive. The net result for a disinfo artist is that emotions can seem artificial.
Most people, if responding in anger, for instance, will express their animosity throughout their rebuttal. But disinfo types usually have trouble maintaining the 'image' and are hot and cold with respect to pretended emotions and their usually more calm or unemotional communications style. It's just a job, and they often seem unable to 'act their role in character' as well in a communications medium as they might be able in a real face-to-face conversation/confrontation. You might have outright rage and indignation one moment, ho-hum the next, and more anger later -- an emotional yo-yo.
With respect to being thick-skinned, no amount of criticism will deter them from doing their job, and they will generally continue their old disinfo patterns without any adjustments to criticisms of how obvious it is that they play that game -- where a more rational individual who truly cares what others think might seek to improve their communications style, substance, and so forth, or simply give up.
7) Inconsistent. There is also a tendency to make mistakes which betray their true self/motives. This may stem from not really knowing their topic, or it may be somewhat 'freudian', so to speak, in that perhaps they really root for the side of truth deep within.
I have noted that often, they will simply cite contradictory information which neutralizes itself and the author. For instance, one such player claimed to be a Navy pilot, but blamed his poor communicating skills (spelling, grammar, incoherent style) on having only a grade-school education. I'm not aware of too many Navy pilots who don't have a college degree. Another claimed no knowledge of a particular topic/situation but later claimed first-hand knowledge of it.
8) Time Constant. Recently discovered, with respect to News Groups, is the response time factor. There are three ways this can be seen to work, especially when the government or other empowered player is involved in a cover up operation:
a) ANY NG posting by a targeted proponent for truth can result in an IMMEDIATE response. The government and other empowered players can afford to pay people to sit there and watch for an opportunity to do some damage. SINCE DISINFO IN A NG ONLY WORKS IF THE READER SEES IT - FAST RESPONSE IS CALLED FOR, or the visitor may be swayed towards truth.
b) When dealing in more direct ways with a disinformationalist, such as email, DELAY IS CALLED FOR - there will usually be a minimum of a 48-72 hour delay. This allows a sit-down team discussion on response strategy for best effect, and even enough time to 'get permission' or instruction from a formal chain of command.
c) In the NG example 1) above, it will often ALSO be seen that bigger guns are drawn and fired after the same 48-72 hours delay - the team approach in play. This is especially true when the targeted truth seeker or their comments are considered more important with respect to potential to reveal truth. Thus, a serious truth sayer will be attacked twice for the same sin.
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How to Spot a Spy (Cointelpro Agent)
One way to neutralize a potential activist is to get them to be in a group that does all the wrong things. Why?
1) The message doesn't get out.
2) A lot of time is wasted
3) The activist is frustrated and discouraged
4) Nothing good is accomplished.
FBI and Police Informers and Infiltrators will infest any group and they have phoney activist organizations established.
Their purpose is to prevent any real movement for justice or eco-peace from developing in this country.
Agents come in small, medium or large. They can be of any ethnic background. They can be male or female.
The actual size of the group or movement being infiltrated is irrelevant. It is the potential the movement has for becoming large which brings on the spies and saboteurs.
This booklet lists tactics agents use to slow things down, foul things up, destroy the movement and keep tabs on activists.
It is the agent's job to keep the activist from quitting such a group, thus keeping him/her under control.
In some situations, to get control, the agent will tell the activist:

• "You're dividing the movement."

[Here, I have added the psychological reasons as to WHY this maneuver works to control people]
This invites guilty feelings. Many people can be controlled by guilt. The agents begin relationships with activists behind a well-developed mask of "dedication to the cause." Because of their often declared dedication, (and actions designed to prove this), when they criticize the activist, he or she - being truly dedicated to the movement - becomes convinced that somehow, any issues are THEIR fault. This is because a truly dedicated person tends to believe that everyone has a conscience and that nobody would dissimulate and lie like that "on purpose." It's amazing how far agents can go in manipulating an activist because the activist will constantly make excuses for the agent who regularly declares their dedication to the cause. Even if they do, occasionally, suspect the agent, they will pull the wool over their own eyes by rationalizing: "they did that unconsciously... they didn't really mean it... I can help them by being forgiving and accepting " and so on and so forth.
The agent will tell the activist:

• "You're a leader!"

This is designed to enhance the activist's self-esteem. His or her narcissistic admiration of his/her own activist/altruistic intentions increase as he or she identifies with and consciously admires the altruistic declarations of the agent which are deliberately set up to mirror those of the activist.
This is "malignant pseudoidentification." It is the process by which the agent consciously imitates or simulates a certain behavior to foster the activist's identification with him/her, thus increasing the activist's vulnerability to exploitation. The agent will simulate the more subtle self-concepts of the activist.
Activists and those who have altruistic self-concepts are most vulnerable to malignant pseudoidentification especially during work with the agent when the interaction includes matter relating to their competency, autonomy, or knowledge.
The goal of the agent is to increase the activist's general empathy for the agent through pseudo-identification with the activist's self-concepts.
The most common example of this is the agent who will compliment the activist for his competency or knowledge or value to the movement. On a more subtle level, the agent will simulate affects and mannerisms of the activist which promotes identification via mirroring and feelings of "twinship". It is not unheard of for activists, enamored by the perceived helpfulness and competence of a good agent, to find themselves considering ethical violations and perhaps, even illegal behavior, in the service of their agent/handler.
The activist's "felt quality of perfection" [self-concept] is enhanced, and a strong empathic bond is developed with the agent through his/her imitation and simulation of the victim's own narcissistic investments. [self-concepts] That is, if the activist knows, deep inside, their own dedication to the cause, they will project that onto the agent who is "mirroring" them.
The activist will be deluded into thinking that the agent shares this feeling of identification and bonding. In an activist/social movement setting, the adversarial roles that activists naturally play vis a vis the establishment/government, fosters ongoing processes of intrapsychic splitting so that "twinship alliances" between activist and agent may render whole sectors or reality testing unavailable to the activist. They literally "lose touch with reality."
Activists who deny their own narcissistic investments [do not have a good idea of their own self-concepts and that they ARE concepts] and consciously perceive themselves (accurately, as it were) to be "helpers" endowed with a special amount of altruism are exceedingly vulnerable to the affective (emotional) simulation of the accomplished agent.
Empathy is fostered in the activist through the expression of quite visible affects. The presentation of tearfulness, sadness, longing, fear, remorse, and guilt, may induce in the helper-oriented activist a strong sense of compassion, while unconsciously enhancing the activist's narcissistic investment in self as the embodiment of goodness.
The agent's expresssion of such simulated affects may be quite compelling to the observer and difficult to distinguish from deep emotion.
It can usually be identified by two events, however:
First, the activist who has analyzed his/her own narcissistic roots and is aware of his/her own potential for being "emotionally hooked," will be able to remain cool and unaffected by such emotional outpourings by the agent.
As a result of this unaffected, cool, attitude, the Second event will occur: The agent will recompensate much too quickly following such an affective expression leaving the activist with the impression that "the play has ended, the curtain has fallen," and the imposture, for the moment, has finished. The agent will then move quickly to another activist/victim.
The fact is, the movement doesn't need leaders, it needs MOVERS. "Follow the leader" is a waste of time.
A good agent will want to meet as often as possible. He or she will talk a lot and say little. One can expect an onslaught of long, unresolved discussions.
Some agents take on a pushy, arrogant, or defensive manner:
1) To disrupt the agenda
2) To side-track the discussion
3) To interrupt repeatedly
4) To feign ignorance
5) To make an unfounded accusation against a person.
Calling someone a racist, for example. This tactic is used to discredit a person in the eyes of all other group members.
Saboteurs
Some saboteurs pretend to be activists. She or he will ....
1) Write encyclopedic flyers (in the present day, websites)
2) Print flyers in English only.
3) Have demonstrations in places where no one cares.
4) Solicit funding from rich people instead of grass roots support
5) Display banners with too many words that are confusing.
6) Confuse issues.
7) Make the wrong demands.
8) Compromise the goal.
9) Have endless discussions that waste everyone's time. The agent may accompany the endless discussions with drinking, pot smoking or other amusement to slow down the activist's work.
Provocateurs
1) Want to establish "leaders" to set them up for a fall in order to stop the movement.
2) Suggest doing foolish, illegal things to get the activists in trouble.
3) Encourage militancy.
4) Want to taunt the authorities.
5) Attempt to make the activist compromise their values.
6) Attempt to instigate violence. Activisim ought to always be non-violent.
7) Attempt to provoke revolt among people who are ill-prepared to deal with the reaction of the authorities to such violence.
Informants
1) Want everyone to sign up and sing in and sign everything.
2) Ask a lot of questions (gathering data).
3) Want to know what events the activist is planning to attend.
4) Attempt to make the activist defend him or herself to identify his or her beliefs, goals, and level of committment.
Recruiting
Legitimate activists do not subject people to hours of persuasive dialog. Their actions, beliefs, and goals speak for themselves.
Groups that DO recruit are missionaries, military, and fake political parties or movements set up by agents.
Surveillance
ALWAYS assume that you are under surveillance.
At this point, if you are NOT under surveillance, you are not a very good activist!
Scare Tactics
They use them.
Such tactics include slander, defamation, threats, getting close to disaffected or minimally committed fellow activists to persuade them (via psychological tactics described above) to turn against the movement and give false testimony against their former compatriots. They will plant illegal substances on the activist and set up an arrest; they will plant false information and set up "exposure," they will send incriminating letters [emails] in the name of the activist; and more; they will do whatever society will allow.
This booklet in no way covers all the ways agents use to sabotage the lives of sincere an dedicated activists.
If an agent is "exposed," he or she will be transferred or replaced.
COINTELPRO is still in operation today under a different code name. It is no longer placed on paper where it can be discovered through the freedom of information act.
The FBI counterintelligence program's stated purpose: To expose, disrupt, misdirect, discredit, and otherwise neutralize individuals who the FBI categorize as opposed to the National Interests. "National Security" means the FBI's security from the people ever finding out the vicious things it does in violation of people's civil liberties.
_______________________________________________________________________
Seventeen Techniques for Truth Suppression
Strong, credible allegations of high-level criminal activity can bring down a government. When the government lacks an effective, fact-based defense, other techniques must be employed. The success of these techniques depends heavily upon a cooperative, compliant press and a mere token opposition party.
1. Dummy up. If it's not reported, if it's not news, it didn't happen.
2. Wax indignant. This is also known as the "How dare you?" gambit.
3. Characterize the charges as "rumors" or, better yet, "wild rumors." If, in spite of the news blackout, the public is still able to learn about the suspicious facts, it can only be through "rumors." (If they tend to believe the "rumors" it must be because they are simply "paranoid" or "hysterical.")
4. Knock down straw men. Deal only with the weakest aspects of the weakest charges. Even better, create your own straw men. Make up wild rumors (or plant false stories) and give them lead play when you appear to debunk all the charges, real and fanciful alike.
5. Call the skeptics names like "conspiracy theorist," "nutcase," "ranter," "kook," "crackpot," and, of course, "rumor monger." Be sure, too, to use heavily loaded verbs and adjectives when characterizing their charges and defending the "more reasonable" government and its defenders. You must then carefully avoid fair and open debate with any of the people you have thus maligned. For insurance, set up your own "skeptics" to shoot down.
6. Impugn motives. Attempt to marginalize the critics by suggesting strongly that they are not really interested in the truth but are simply pursuing a partisan political agenda or are out to make money (compared to over-compensated adherents to the government line who, presumably, are not).
7. Invoke authority. Here the controlled press and the sham opposition can be very useful.
8. Dismiss the charges as "old news."
9. Come half-clean. This is also known as "confession and avoidance" or "taking the limited hangout route." This way, you create the impression of candor and honesty while you admit only to relatively harmless, less-than-criminal "mistakes." This stratagem often requires the embrace of a fall-back position quite different from the one originally taken. With effective damage control, the fall-back position need only be peddled by stooge skeptics to carefully limited markets.
10. Characterize the crimes as impossibly complex and the truth as ultimately unknowable.
11. Reason backward, using the deductive method with a vengeance. With thoroughly rigorous deduction, troublesome evidence is irrelevant. E.g. We have a completely free press. If evidence exists that the Vince Foster "suicide" note was forged, they would have reported it. They haven't reported it so there is no such evidence. Another variation on this theme involves the likelihood of a conspiracy leaker and a press who would report the leak.
12. Require the skeptics to solve the crime completely. E.g. If Foster was murdered, who did it and why?
13. Change the subject. This technique includes creating and/or publicizing distractions.
14. Lightly report incriminating facts, and then make nothing of them. This is sometimes referred to as "bump and run" reporting.
15. Baldly and brazenly lie. A favorite way of doing this is to attribute the "facts" furnished the public to a plausible-sounding, but anonymous, source.
16. Expanding further on numbers 4 and 5, have your own stooges "expose" scandals and champion popular causes. Their job is to pre-empt real opponents and to play 99-yard football. A variation is to pay rich people for the job who will pretend to spend their own money.
17. Flood the Internet with agents. This is the answer to the question, "What could possibly motivate a person to spend hour upon hour on Internet news groups defending the government and/or the press and harassing genuine critics?" Don t the authorities have defenders enough in all the newspapers, magazines, radio, and television? One would think refusing to print critical letters and screening out serious callers or dumping them from radio talk shows would be control enough, but, obviously, it is not.

I was looking around to see if someone had done the math and figured out what all the daily and weekly challenges worked out to on a per-week basis and I wasn't able to find a figure anywhere, so I sat down and broke out my calculator and added it up myself.
If you are achieving every single one of your daily objectives and weekly objectives each week, you can earn:

• 382,600 credits per week WITHOUT Premium active
• 540,100 credits per week WITH Premium active

This is a figure of 41,800 per day without Premium, or 64,300 per day with Premium, plus 90,000 credits each week for the three tiers of weekly objectives. This does not take into account battle pay (the 500 credits you get per 2000 XP earned) or chartered objectives (because nobody should be spending 300 coins per day on those imo, and because I couldn't figure out a reasonable estimate for battle pay considering it depends heavily on whether you're using premium, boosters, and what your winrate is, and what mode you're playing).
However, I and a lot of other people don't have the time to be doing every single daily objective every single day, and that last tier of the weekly objectives gets pretty grindy too in my opinion. So, on the other hand, here's what the numbers look like if you are doing your dailies up to the fourth tier every day and weeklies up to the second tier every week:

• 300,100 credits per week WITHOUT Premium active
• 417,000 credits per week WITH Premium active

As before, this is a figure of 34,300 per day without Premium, or 51,000 per day with Premium, plus 60,000 credits per week for the first two tiers of weeklies, and does not take battle pay or chartered objectives into account.
I debated including the fourth tier of dailies into this figure rather than just leaving it at three but at the end of the day the fourth tier is still achievable playing casually (i.e. playing whatever you want rather than specifically to grind out those objectives), it just takes a little more time than the first three tiers. I don't think anybody is getting the fifth daily tier or the third weekly tier without sitting down and grinding for it, though, so I didn't include either of those.
There are two big takeaways from this, in my opinion. First off, that is way more credits than I was expecting to see per week, and it definitely doesn't FEEL like I'm earning that much each week, but I think that's probably because I'm constantly spending credits as they're coming in, so it never feels like I'm earning a huge amount cause the number is staying relatively static - it isn't like I'm saving up the entire week's earnings and then upgrading all my operators at once at the end of each week, although maybe some people do that.
Second, Premium actually makes a pretty huge difference as far as your credit income goes, but on the other hand, even without Premium, earning enough credits to be able to purchase any operator you want every single week, or to rank one operator most of the way to 15, also doesn't seem incredibly unreasonable to me.
On top of that, at least in my opinion, the price for Premium is also pretty reasonable. In the US, it costs $11.99 for a month of Premium, or if you purchase it a year at a time, it costs $88.50 for 365 days. It is marked as being 25% off on the store website right now but I don't know if that's actually a sale that will end at some point or if it's just a marketing gimmick to make you feel like you're getting a deal. Compared to other games with similar premium status systems, I think that's probably on the cheaper end, but I might not have a good grasp of the spectrum there.
If I've made a mistake here please let me know. I did double-check all my math so I feel pretty confident in it but something might have gotten past me.
What do you guys think? Is this more or less credits per week than you were expecting to be receiving? Is doing dailies through tier four reasonable or do you often find yourself achieving less than that?