Yo it’s good

What are these small circles ? On my Alocasia

Have Better Sex with BlueChew

Have Better Sex with BlueChew

Have the trains gotta better for the past week or im hallucinating?

Fewer homeless roaming, no more playing loud music in trains.

#-2 on the Daily Challenge

How does red suit me :3

LF American Tycoon (11)

Have: Spotted (12)

The insanely rich

The best repair in the world… fml… what to do with popcorn ceiling

Had a leak in the ceiling and wanted it fixed probably 5 times now. This is the result. Extra dirty and didn’t even tell me they were doing 3 areas when I thought it was just the corner area. Don’t know if it’s asbestos. Living in Los Angeles, CA.

supersix Evo, stem options

has anyone replaced their system stem with the hollow gram knot stem? Help with the specific spacers that would work.

Sandy Johnson on filming Michael Myers' first kill in HALLOWEEN

School doodles :3

trade

I'm a massive savings nerd. Here are the stupidest money mistakes I see people make.

**1. Overpaying for car insurance** The average American saves a whopping $410+ a YEAR ([source](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Auto-Savings-Red-Savings-v2-1224-Source)) when they switch auto insurance carriers - sometimes significantly more than that: I saved $1,300 this year. The reason: some carriers offer discount prices to new customers when they switch. Take 30 seconds and go to a 3rd party comparison site ([Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Savings-v2-1224) and [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Savings-v2-1224) are both fine) to see if you can find cheaper rates. You’ll likely save yourself a bunch of money. Some people suggest switching every 6 months, that's a little bit overkill imo. Once a year should be fine. **2. Overpaying when you shop online** Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices. I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Savings-v2-1224)). When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible. **3. Paying for subscriptions you don't use.** We've all signed up for free trials and forgotten to cancel them. Stop paying for services you aren't using! Take a minute and get yourself a good cancellation app: I like Rocket Money ([link here](https://betterbuck.net/view2.php?offer=rocket-money&country=USA&subid=Red-Savings-v2-1224)). It's an app that will put together a list of your subscriptions so you can pick/choose which ones to cancel. They also have a premium service that will cancel them for you, if you'd like. [Here's a link](https://betterbuck.net/view2.php?offer=rocket-money&country=USA&subid=Red-Savings-v2-1224) (it's free). **4. Dealing with debt on your own** If you’ve got $10k+ in unsecured debt (think credit cards, medical bills, etc), you can ask a debt relief company to come in and negotiate it for you. You typically will save around 23% on average (after their fees). Here’s a link to a savings calculator from National Debt Relief's website if you want to see how much you could save: [link here.](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Savings-v2-1224) **5. Not having a financial advisor.** You know why so many rich people have financial advisors? It isn't because they're better at picking stocks (spoiler alert: they're not) It's because a good financial advisor will help you with all of the bizarro tax implications you never would have thought of. People with financial advisors end up making \~3% more/year thanks to better tax planning. If you don't know an advisor personally, use a 3rd party comparison site to find somebody with good reviews ([WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Savings-v2-1224) is solid). **6. Using normal, low-interest savings accounts** I'm always shocked at the number of people still using garbage savings accounts that pay 0.5% (or less) a year. There are literally hundreds of banks that will pay you 8x that, usually 10x that rate [Here's a link to a bunch of options.](https://betterbuck.net/view-nb.php?offer=fiona-savings&country=USA&subid=Red-Savings-v2-1224) **7. Needing cash, but taking out high-interest loans.** So many people take out high-interest payday loans – **please don’t do this**. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit) Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card). Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans. Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Savings-v2-1224)). *Side note: if you hate debt, you can still get money out of your home’s equity by using something like* [*Hometap*](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Savings-v2-1224)*, where you more or less sell investors a portion of your equity without a loan)* \-- There are tons of other things (obviously) but these are the ones that I see the most. Hope that helps.

I'm a massive savings nerd. Here are the stupidest money mistakes I see people make.

**1. Overpaying for car insurance** The average American saves a whopping $410+ a YEAR ([source](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Auto-Savings-Red-Savings-v2-1224-Source)) when they switch auto insurance carriers - sometimes significantly more than that: I saved $1,300 this year. The reason: some carriers offer discount prices to new customers when they switch. Take 30 seconds and go to a 3rd party comparison site ([Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Savings-v2-1224) and [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Savings-v2-1224) are both fine) to see if you can find cheaper rates. You’ll likely save yourself a bunch of money. Some people suggest switching every 6 months, that's a little bit overkill imo. Once a year should be fine. **2. Overpaying when you shop online** Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices. I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Savings-v2-1224)). When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible. **3. Paying for subscriptions you don't use.** We've all signed up for free trials and forgotten to cancel them. Stop paying for services you aren't using! Take a minute and get yourself a good cancellation app: I like Rocket Money ([link here](https://betterbuck.net/view2.php?offer=rocket-money&country=USA&subid=Red-Savings-v2-1224)). It's an app that will put together a list of your subscriptions so you can pick/choose which ones to cancel. They also have a premium service that will cancel them for you, if you'd like. [Here's a link](https://betterbuck.net/view2.php?offer=rocket-money&country=USA&subid=Red-Savings-v2-1224) (it's free). **4. Dealing with debt on your own** If you’ve got $10k+ in unsecured debt (think credit cards, medical bills, etc), you can ask a debt relief company to come in and negotiate it for you. You typically will save around 23% on average (after their fees). Here’s a link to a savings calculator from National Debt Relief's website if you want to see how much you could save: [link here.](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Savings-v2-1224) **5. Not having a financial advisor.** You know why so many rich people have financial advisors? It isn't because they're better at picking stocks (spoiler alert: they're not) It's because a good financial advisor will help you with all of the bizarro tax implications you never would have thought of. People with financial advisors end up making \~3% more/year thanks to better tax planning. If you don't know an advisor personally, use a 3rd party comparison site to find somebody with good reviews ([WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Savings-v2-1224) is solid). **6. Using normal, low-interest savings accounts** I'm always shocked at the number of people still using garbage savings accounts that pay 0.5% (or less) a year. There are literally hundreds of banks that will pay you 8x that, usually 10x that rate [Here's a link to a bunch of options.](https://betterbuck.net/view-nb.php?offer=fiona-savings&country=USA&subid=Red-Savings-v2-1224) **7. Needing cash, but taking out high-interest loans.** So many people take out high-interest payday loans – **please don’t do this**. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit) Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card). Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans. Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Savings-v2-1224)). *Side note: if you hate debt, you can still get money out of your home’s equity by using something like* [*Hometap*](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Savings-v2-1224)*, where you more or less sell investors a portion of your equity without a loan)* \-- There are tons of other things (obviously) but these are the ones that I see the most. Hope that helps.

incredibox ketchup V2

Ive finally done it.

Hellion was the only one i changex skills on. For every act but this one it was the same but swap iron swan for if it bleeds and swap toe to toe for racous revelry and switch her path from ravager to beserker and put her in position two

Les points dans ce jeu c’est une blague ???

I literally carried the game on the objectives to take but in the end I gained a +5 plus I lost because of the allies because half of them don't play the objectives but what should you do in games seriously you have to be multitasking?? treat/resuscitate/kill/destroy vehicles/gadgets place beacons/locate in this case take out a character who can do everything!! Starting to get tired of this system of classifying everything exploded in this game!!!!

I’m getting stuck in intrusive thoughts at work. I’m anxious.

I’m getting stuck in intrusive thoughts about what if scenarios about talking to supervisors. The background is I’ve had a few uncomfortable, anxiety-filled interactions with a past supervisor which have created anxious thoughts, such as me worrying that I will be thought of as someone who doesn’t respect authority, or that I will be falsely accused of insubordination or dishonesty and be fired. About 2 months ago, that supervisor left, so now we’re waiting to hire a new one as a replacement. Since they left, I have been having what if scenarios about what I could have said to that supervisor in past interactions, how past interactions could have ended if I had said something different, what I would say in imaginary scenarios with that supervisor, and being anxious if the issues I had with this past supervisor will happen again with the new one. I thought I had resolved my anxiety, but 2 months with not knowing what the replacement supervisor will be like or when they will be hired has triggered it. I have written phrases that I could say to a supervisor if certain problems happened between us that I’m concerned about. I thought by revisiting these phrases that I wrote, it might help me feel better. I was wondering if I could get feedback about my ideas on rephrasing what to say and more suggestions on my list below. What to Say for the Following Scenarios 1. If you have conflicting information and feel that you must give that information to make sure you both have the same understanding. 1. “Is it okay if I give you additional information about this situation that you may not have? I want to confirm I that we have the same understanding so that I will do the correct action.” 2. “I’ve received conflicting information or directions, so I’m concerned that we have a different understanding of the situation. Is it okay if I briefly share with you additional details?” 2. If you have a suggestion or opinion. 1. “I understand what you’re saying. Would you mind if share with you my idea and you provide your feedback?” 3. If you must ask a clarifying question or ask for clarification. 1. Don’t ask it to avoid the supervisor to possibly think you don’t want to listen to them or to say you should know better. 2. Say what you think is the correct answer or what you think, then ask the supervisor for their thoughts. 3. “I want to make sure that I understand what you said. Are you okay if I briefly summarize what you said to make sure I understand?” 4. If you are interrupted or cut off. 1. “Is it okay if I finish my sentence?” 2. “Is it okay if I finish what I’m saying?” 3. “Please don’t interrupt me.” 5. If someone does or says something that makes you uncomfortable or anxious. 1. “I feel uncomfortable/anxious by your behavior/what you said.” 2. “I would appreciate if you told me if I’m doing something wrong or if I’m making you stressed so I can try not to do it again.”