So I have managed to climb my out of all credit card debt - I do have some remaining balances on credit cards on a 0% APR period and the card will be paid in full by the time the interest starts accruing.
That essentially leaves me starting on even ground for the first time, with the exception of money that I owe on taxes. I owe nearly $5k federal and several grand to state, although I’m not sure of the exact amount.
I have 3k in an HYSA and would feel more comfortable with about 8k as a safety net in a VHCOL area, but I do have a lot of job security.
I have $0 in retirement savings at this time. My 401k match will not kick in for about 6 months.
My question is, do I start to prioritize paying down the debt on taxes owed? I have them on a payment plan and it doesn’t seem to accrue much interest (at least compared to cc), so I was hoping to build more savings, but would it make more sense to pay this off and then start contributing to a retirement plan? Should I divide the available funds and contribute a smaller amount to both? For reference I am 30f and only recently learned anything about managing my personal finances, so I have some catching up to do.

I missed my invoice payment and got busy forgot to pay it they canceled my card. How is this even invitation only lol seriously

An ethical and well seasoned hacker can hack into almost anything. I experienced it first hand when my I hired this hacker to hack my husband's computer and Snapchat account because I had a feeling he was cheating. Thanks to this hacker, I was able to get solid evidence. The hacker even offered to issue a refund if expectations weren't met, but the job was done expertly.
Contact
87TECHHACK (AT GMAIL DOT COM)
WhatsApp: +1 (323) 795-4202
TEXT/TELEGRAM +1 (678) 568-3643
Can hack any social media you can think of including WhatsApp, Twitter, Instagram, Bitcoin wallet, Facebook, Credit cards etc. Phone hacks, computer hacks, GPS tracking, website and blogs hack, password hacks, and so much more.

CREDIT PROFILE

• BMO World Elite Mastercard Opened: July 2021 Limit: $15,500.00
  
• Neo Mastercard - Opened July 2022, Limit: $5,000.00
  
• 840 - this was from Credit Karma, I am confused what FICO is in Canada.
  
• 2 years
  
• * Number of personal credit cards approved for in the past 6 months:
  
• * Number of personal credit cards approved for in the past 12 months: 1
  
• * Number of personal credit cards approved for in the past 24 months: 2
  
• * Annual income $: 125,000
  

CATEGORIES

• * OK with category-specific cards?: Yes if it works out
• * OK with rotating category cards?: No
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 250.00
  • * Groceries $: Costco: $800 (only take MasterCard in Canada) Sobeys: $200
  • * Gas $: $200.00
  • * Travel $: All Inclusive Vacation - $620.00 per month - Hotels - $50 per month
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $ Shaw Internet - $90/mo - Costco other spend: $300/mo,
  • * Any other significant, regular credit card spend you didn't include above?: $ No
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $ Mortgage, and No we cannot.

Our average credit card spend is $3,000/mo, paid off fully at the end of each month. Only recurring bills come out of the normal bank account, all other spend on the credit card.
MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: No
• * Current Verizon postpaid customer?: No
• * Current member of Costco or Sam's Club? Yes
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? Disney + (annually) and Apple TV +(monthly) and FuboTV (annually)
• * Current member of Chase, US Bank or any other big bank?: Royal Bank of Canada
• * Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy) No

PURPOSE

• * What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards)
  
  • * If you answered "travel rewards", do you have a preferred airline and/or hotel chain? We currently have westjet bmo mastercard and I hate it. You cant fully utilize it like it says, and if an emergency hotel usage comes up the points are only good for flights, and we don't fly that much, it was a poor choice.
• * Do you have any cards you've been looking at? Nope, but really mixed feelings because of consistent costco spend and whether it trumps having a mastercard over visa because of it.
  

The Co-operative Bank has boosted its refer-a-friend switching deal. You get £125 when you switch using a friend’s referral.
As with most switching deals, you need to use the Current Account Switching Service to move over an account from a different bank. Read the details.
To be eligible for the offer, the person you’re referring must:

• Not have held a Co-operative Bank current account or smile account of any type since 1 November 2022.
• Open a new Co-operative Bank standard Current Account or Everyday Extra account. Please note smile current accounts, Student Accounts, and Cashminder accounts are excluded from this offer.

And the following must be done within 60 days of the account opening:

• Complete a full switch from their main current account to their new Co-operative Bank account using the Current Account Switch Service.
• Deposit £800, set-up 2 Direct Debits, make a minimum of 5 card payments, and register for our online banking services, all with their new, eligible account.
• Complete a referral form when they receive their new Co-operative Bank account details, including their switch end date.

STEPS

1. type $bid below and send me a DM just to let me know you've read the terms and are opening an account.
   
2. Open an account/Switch to Co-op
   
3. Once you have your new Co-Op bank details (Acc number, sort code and switch date), we can fill a referral form, so they can credit the £125.
   
4. The £125 will be paid within 90 days of the switch being completed (should be much earlier than 90 days, usually a day or two after the switch is completed).
   
5. When they make the credit, I'll send you my share and you'll make £185 when it's all done.
   

• Terms / referral info

In early 2023 I opened an account with Three mobile. All good, until I received another SIM card and “Welcome to three” letter a few weeks later. This had a different phone and account number attached to it.
I raised this with Three who took months to investigate, needed chasing multiple times and eventually declared this to be a “fraudulent” account set up in my name. I’m not really convinced by this and think more likely they accidentally created two accounts in my name when I first took out the contract with them - but either way, not my problem.
In the meantime whilst all this investigating was going on, the second account was racking up monthly service charges. Every time I spoke to them I was told not to worry, the charges will be cancelled.
I had assumed all of this was sorted until today when a letter from a debt collection agency arrived operating on behalf of Three and demanding £90 for the charges associated with this “fraudulent” account. There’s also a £800 charge to be added to this if I don’t pay up.
I’ve contacted Three again today to be told that this is definitely an error, we’ve raised it with the relevant team and you’ll hear back within 14 days.
I’ve never had written confirmation from Three that I’m not liable for the charges on this account, it’s all been phone conversations and live chats with customer support, so am concerned I’m not in a great position if they eventually decide to hold me liable for the costs.
As I see it my options are
1 - do nothing and wait for Three to come back to me. This hasn’t worked well so far and I expect I’ll end up being chased for a much bigger amount
2 - pay the £90 to the debt collectors and pursue Three to get it back
3 - write to the debt collectors, ask them not to contact me again and to confirm the situation with Three.
What’s the right thing to do here?

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Here is their contact information
Email: 87TECHHACK AT GMAIL DOT COM
WhatsApp: +1 (323) 795-4202
Text/Telegram: +1 (678) 568 3643
Hacks on any social media account at all
Instagram, Facebook, twitter, tinder, snapchat, tiktok, WhatsApp, discord and so on.
Among the various services she offers are: database hack, credit score hack, credit card hack, credit score fix, Social media hacks, (WhatsApp, Snapchat, Twitter, Instagram, Facebook, Facebook messenger, Viber etc.), Incoming calls Restrictions, GPS Location Tracker, School Grade Upgrades, Intercepting and Retrieving of Instant messages, Credit Score Upgrade, WhatsApp Spy, USSD Control Commands, Facebook/Messenger Spy, Skype Spy, Hacking into Database of all kinds, Internet Usage Monitoring, Calendar Monitoring, Video Game Hacking and Cracking, Remotely Accessing SMS, Remote Email Spying, Key logging, and many more.

Tl;dr

^{I'm sorry I couldn't make it shorter than 4 paragraphs. This post is simply too long, and I'm going over a lot of factors}
If you don't want to read my spiel on why I believe Chrome Mox can be unbanned, scroll down to "Disclaimer + Request" where I talk about conducting an experiment with it to verify my thought-process.
Simply put, I believe that due to Chrome Mox causing you to neg 1 each time you cast it, it would be pretty safe to unban. Of the degenerate decks in Modern, Chrome Mox wouldn't fix any of their known issues. Ad Nauseum, Storm, Belcher, etc, aren't rogue tier because they are slow. They are rogue tier because they are extremely vulnerable to hate cards that are common in the format, or are just simply inconsistent. Chrome Mox doesn't fix either of those issues. Instead, Chrome Mox would actually help other decks back into the format.
Tribal decks like Humans, Slivers, and Merfolk (I go over Elementals below) would definitely benfit with Chrome Mox being unbanned. Additionally, despite being technically a generic card, it wouldn't be a good inclusion in a lot of decks that are already considered good. It goes against the gameplan of Murktide and Rakdos, and it straight up cannot be used in Creativity, Cascade, and Affinity decks.
It is because of this that I believe Chrome Mox is safe, and would be a healthy inclusion for the format in terms of not just deck diversity, but also in skill due to this card being able to make or break your gameplan.

End Tl;dr

Pretty much everyone seems to agree that Chrome Mox would be way too powerful and would completely ruin the format.
But after having giving a lot of thought, I'm actually pretty confident it won't. Here's my reasoning:

Firstly, here's what it does:

Chrome Mox: (0)
Artifact
Imprint - When Chrome Mox enters the battlefield, you may exile a nonartifact, nonland, card from your hand.
(Tap): Add 1 mana of any of the exiled cards colors.

Unbanning consequences

If this was unbanned, it would see play in the following decks:
• Tribal decks, like humans, merfolk, elves, slivers, and elementals. These are the decks that can capitalize the most on Chrome Mox since they have a lot of redundancy and get a lot of value by getting stuff out ahead of curve.
• 4c Omnath would without a doubt gain some dominance if Chrome Mox were unbanned. The deck runs multiple cards that allows for replenishing of any sort of card advantage lost from playing Chrome Mox. Though, this is less on the power of Chrome Mox and more on the raw power of Omnath. In my personal opinion, whether or not Chrome Mox is unbanned, Omnath should be banned due to the amount of power it brings. If you use any removal on it, you will neg 1 because Omnath replaces itself on ETB, it stabilizes you due to the constant life gain, it allows you to go off even harder with spells due to the mana it gives which is much more free than Chrome Mox, and it can even deal damage without attacking. (Which is niche, but its worth mentioning when trying to close out a game) Combined with the Evoke elementals, and Wrenn & Six to make 4 colors extremely safe, this card is completely absurd.
• Elementals (assuming that Omnath is banned. This is a hypothetical scenario, like the rest of the post) would actually be pretty balanced with Chrome mox. The additional mana allows them to get their threats out faster, and because a lot of their cards actually exile from hand for cost, it would actually create a deck that promotes skillful play, since using Chrome Mox, or any evoke elemental, at the wrong time would set you so far behind that you'd just lose.
• Dredge would definitely love Chrome Mox since it allows you to fire off a turn 1 cathartic reunion, which would definitely be a pretty good plus. However, like one other deck that I'll get to a bit later, Dredge isn't hampered by speed. It, in of itself, is a very speedy deck already, and it also runs gemstone caverns for said fast mana. Turn 1 Cathartic is already pretty common with the deck. The issue that dredge has is consistency. Dredge is inherently a luck based deck. Chrome Mox doesn't provide consistency, it just provides a fast mana in exchange for a card in your hand. Both are appreciated by dredge, but it doesn't solve dredge's problem of being luck based.
• Storm would also quite like Chrome Mox since it allows them to go off 1 turn earlier, and they have a ton of redundancy. I am confident that Storm will actually go up a few tiers too if Chrome Mox is unbanned. But this won't be a bad thing because Storm still has the issue of being very reliant on easy to remove creatures, as well as their graveyard.

Here are decks that would not use Chrome Mox

^{or could use it but it would be better off replaced with a different card}
• Midrange decks are comprised of almost no redundancy. Pretty much every card would much rather be cast. They also want to go 1 for 1 most of the time and slowly gain value with threats like Fable of the Mirror Breaker, Expressive Iteration, or a simple creature threat like Fury or Murktide. Chrome Mox makes this game plan less efficient since it takes two cards out of your hand. (Chrome Mox being played, and the card being imprinted) Midrange decks today would be Murktide, Rakdos, and Jund. At first these decks would likely play with Chrome Mox, but then after a while they would ditch it when they realized that they would rather have another spell to ruin their opponents day.
• Aggro decks, like burn, would hate using Chrome Mox because the issue with aggro decks is that once they run out of steam, if the opponent is still alive, they are at a disadvantage. Chrome Mox accelerates how fast they run out of steam ans even delegate one of the cards in their hand that can do something to instead do nothing. That would cause said aggro deck to be that much weaker.
• Control decks have no use for Chrome Mox since mana ramping in control is generally not needed due to the fact they run a ton of lands anyway. Also, like midrange decks, every card would rather be cast than imprinted. They would more than likely rather see another counterspell or draw spell instead of Chrome Mox.
• Affinity and Hardened Scales straight up cannot use Chrome Mox due to their decks being almost entirely artifacts or lands, or both. The only cards in each deck that can be imprinted is Hardened Scales, Ancient Stirrings, Thoughtcast, and Forging the Anchor if they play it. All of these spells are spells that you would rather cast than exile it for mana ramping. There is also a likelyhood of Affinity running Metallic Rebuke and Emry mainboard to support the Chrome Mox, like they do in No Banlist Modern. Honestly, that would be fine. Affinity won't actually be a crazy deck again unless Mox Opal is unbanned, which it won't be. Additionally, NBL Modern is safe to run Emry because NBL Modern has little removal compared to vanilla Modern.
• Cascade and Creativity decks also cannot use Chrome Mox due to it directly conflicting with the decks combo.
• Yawgmoth would seem like a good candidate for Chrome Mox, but the reason it runs mana dorks is because they can also be sacrificed to Yawgmoth. Yawg can't sac Chrome Mox. So if Yawg did run it, it would probably be a 2 of. But they'd probably be better off with the mana dorks they have already since that is what they would be cutting for Chrome Mox.
• Hammertime wouldn't be able to use Chrome Mox because a lot of the cards in their deck are artifact based. The only cards that could be imprinted are Stoneforge Mystic, Puresteel Paladin, Giver of Runes, Steelshapers Gift, Surge of Salvation, and Sigarda's Aid. All of which are cards that Hammertime would much rather cast than just lose for mana ramping.
With this in mind we ask a question: With Chrome Mox back...

Would anything degenerate happen?

I did leave one deck out, and that deck is Belcher. The reason I left it out is because it would probably be the most unbelievable explanation. Blecher is one of those decks where if it ever sees tier 1 relevancy, then the entire format burns down. So, if Chrome Mox is unbanned, it would enable a whole lot of degenerate plays for Blecher, right?
Well...
Both belcher decks are designed to kill you in one turn, though the method differs between the two.
Belcher is, essentially, just a modified storm deck that tries to get as much mana to both cast and activate goblin charbelcher. As soon as Charblecher hits the field, they win. The earliest they can go off is on turn 2 by using a bunch of mana spells to immediately ramp into Charbelcher. (2 lands, 2 pyretic/desperate ritual, irencraag feat, and belcher) To go off on turn 2 requires a 6 card combo.
With Chrome Mox the earliest they can go off is turn 1... but that requires 7 cards now. (1 land, chrome mox, 1 imprint fodder card, 2 pyretic/desperate ritual, irencrag feat, charbelcher)
The other deck, oops all spells, relies on either charbelcher, or one of the creatures that mills the entire deck to get 4 Vengevine onto the field and kill their oppoent, or they can get Thassa's Oracle back and win instantly if the Vengevines didn't finish the job. With Chrome Mox they can go off on turn 2 at earliest. (Land, Chrome Mox, imprint fodder, Pentad Prism, and either creature that mills their whole library, a 5 card combo) Essentially this deck trades Belcher's speed for consistency. However it now has a super big vulnerability to hate cards that Belcher didn't have. Graveyard hate delegates them to only being able to use Charbelcher as their win condition, and they only run 1 in main and 1 in side.
But thats where we hit a problem. See, speed isn't the issue with charbelcher decks. Charblecher isn't putting up weak results because its slow, it most certainly isn't lacking there. Its putting up weak results because its inconsistent. (Or in Oops' case, extremely weak to hate cards) I watched some streams of people playing belcher and the number 1 reason they lost was because they couldn't find a belcher to combo off with. (The second reason was because the first belcher got answered)
For Oops All Spells, the main reason they lost was because either they got hit with graveyard hate, or they couldn't find a Belcher after getting hit by said graveyard hate.
In a manner of speaking, Belcher is like Tron. If you get all the necessary pieces, you win! If you don't, ugh. Chrome Mox doesn't provide any consistency, it only provides just mana. If it was unbanned, Belcher would more or less be the same as it was before, whether or not it played Chrome Mox. (Which in NBL Modern, it does alongside Street Wraith and Gitaxian Probe which gives it a lot more consistency)
Having read up to this point, you're likely thinking that because Chrome Mox is so common in NBL Modern, that surely it can't be unbanned right?

Observations on No Banlist Modern

So, first, lets assume that Chrome Mox was included in a deck because the card is unironically really good in that deck and not because literally everything is suddenly legal and Chrome Mox is a generic card as seen in a so far unsolved, unsupported, format with Dark Depths being the established best deck.
Despite literally being a subformat of Modern, No Banlist Modern can't be used as a metric for what can be unbanned in Modern.
The reason for this is because, unlike our Modern, NBL Modern has a lot of degenerate decks that would absolutely ruin your day, and Chrome Mox is just there to enjoy the ride. The best deck of NBL Modern is undoubtedly Dark Depths, with UG Emry being a close second. Both run Chrome Mox, but both aren't absolutely busted because of it. They're busted because they're running Oko, Sensei's Divining Top, Deathrite Shaman, and Dark Depths. Cards that should absolutely, positively, never be unbanned in Modern. These decks, even if they didn't use Chrome Mox, would still be the best decks of NBL Modern.
Additionally, the way that NBL Modern plays is nothing like Modern because the "checks" are different. A check is a card that is included in your deck so that it can be used to deal with a certain threat. For example, in Vanilla Modern, Unholy Heat, Bolt, Prismatic End, and Fatal Push are all very common checks. Most decks that can play them do so because they check a good amount of the format. But in NBL Modern, the checks are actually pretty different, mostly delegated to a couple removal spells and instead running more cards like Thoughtseize and Force of Negation. Actual on board removal is run in very low numbers outside of Yorion Piles. Due to this, permanents have a much higher probability of staying on board for several turns compared to Vanilla Modern.
With this idea, we can conclude that even though Chrome Mox sees a lot of play in NBL Modern, it cannot be held to the same standard as Vanilla Modern.
We can also apply this kind of thinking to cards that are banned in Legacy, but fine in Modern. The best example of this is Dreadhorde Arcanist, a card completely unseen in Modern.
The reason for this is because, like mentioned before, the checks in legacy are much different than in Modern. Legacy, just like NBL Modern, doesn't run much in terms of removal, and what little removal they did have was easily dealt with by countermagic which is very common in the format. The same thing also applies to Ragavan and Wrenn & Six.
It is because of these factors that NBL Modern and Legacg cannot be used as a metric to determine whether or not Chrome Mox is safe to unban in Vanilla Modern.

Disclaimer + Request

This, of course, is all completely hypothetical. Given that Chrome Mox has never been legal in Modern, and despite me doing several days of research on the matter, it is still uncertain on whether or not my claim is true.
Which is why I have a request for any LGS who wants to do some science! (If it's allowed)
I would like to conduct a study in a controlled environment where Chrome Mox is unbanned for about 8 months. (Though a year would be more ideal since it would give more time for the format to settle, which would give me much better data) During these 8 months, after each tournament, the organizer (I would be doing this myself if an LGS in my decides to do this) notes the decklist of each person in the tournament, their winrate, their matchups, and whether or not their deck has Chrome Mox in it. (For simplicity, the decklist doesn't have to be noted down. Ideally it would just be like: Player A, Izzet Murktide, /w Chrome Mox, 60% winrate, played against: Cascade WW, Affinity LWW, Jund LL, and UW Control LW-tie)
In addition, because Chrome Mox is pretty difficult to get, for the duration of the study, all participants will be allowed to proxy it.
Also the tournaments where Chrome Mox is legal would essentially be no different than a regular weekly tournament. Pay to get in, get store credit if you go 2-1-1 or better. The literal only difference is that now Chrome Mox is legal.

Expectations of this study

For the first several months, almost everyone is going to be using Chrome Mox. This is to be expected since it is a card never before legal in Vanilla Modern and is generally seen as strong, much like how when Stoneforge Mystic and Jace the Mind Sculptor were unbanned 4 years ago.
Then, over time, the useage of Chrome Mox will gradually go down as people begin to get used to the card and only put it in decks that actually should run it. Other people would likely start making decks that would like using Chrome Mox rather than use a deck that Chrome Mox is weak in but strong in the meta, like Rakdos or Murktide.
At roughly the 8 month mark, the format should more or less resemble the format we have now, except the decks Chrome Mox is good in, Tribal decks, Storm, Dredge, etc, have their foot a bit further in the door and see more representation.

Possible issues

• At the start of the study, if everyone starts playing degenerate decks, the study will fail because the format will be too grueling to actually settle and people will just leave instead. (My biggest fear is doing the study and 90% of the sample size deciding to play only Belcher) This issue would cause all data to be nonconclusive, since the study would have to be aborted soon after it began.
• A lot of stores might have a small player population. If the sample size is too small, the format may never actually settle and instead convey the idea that Chrome Mox would be too warping, even though it might not actually be. To remedy this, a survey could be given out every few weeks to ask how players feel about Chrome Mox and if it helped them win or lose a game. Make sure to not ask how they felt towards the game as a whole, because that will only tell us that they liked the card when they won, and disliked the card when they lost.
• The study length might not be long enough to settle, even with a respectable sample size. It took about a year for Stoneforge decks to settle down. Chrome Mox is seen as a stronger card than Stoneforge, so it is definitely possible it could take even more time to settle, much longer than 8 months, or even a year. I proposed 8 months because I didn't want to scare people off by saying this would take over a year to conduct. But if the LGS is willing to do this for over a year, that would be ideal.
• Magic players could just be stubborn and when they see that Chrome Mox is being unbanned, they just might decide they don't want to even give it a try.

Closer

Good god, this took a while. I worked on this for about 6 days. (not 6 days straight, just on and off researching and typing)
I definitely expect most, if not all, of you to actually disagree with me, and I definitely will be downvoted to oblivion. Some will probably call me a troll even though I am completely serious.
Anyways, this is what I did instead of my calculus homework.
Cheers!

I know Amazon isn't preferable but I have gift cards on their I want to use

Build Help/Ready:

Have you read the sidebar and rules? (Please do)
Yes
What is your intended use for this build? The more details the better.
Gaming, photo and video editing (only just started getting into video and large photoshop files, hence the RAM question)
If gaming, what kind of performance are you looking for? (Screen resolution, framerate, game settings)
Doesn't matter too much
What is your budget (ballpark is okay)?
As little as possible for a qorking upgrade to match what I've got
In what country are you purchasing your parts? UK
Post a draft of your potential build here (specific parts please). Consider formatting your parts list. Don't ask to be spoonfed a build (read the rules!).
This is my existing PC, the only thing I'm looking to get help with is RAM!
PCPartPicker Part List

Type	Item	Price
CPU	AMD Ryzen 5 5600X 3.7 GHz 6-Core Processor	£149.00 @ Amazon UK
CPU Cooler	Scythe FUMA 2 51.17 CFM CPU Cooler	-
Motherboard	Gigabyte GA-AB350-GAMING 3 ATX AM4 Motherboard	-
Memory	TEAMGROUP Dark Pro 16 GB (2 x 8 GB) DDR4-3200 CL14 Memory	-
Storage	Samsung 850 Evo 1 TB 2.5" Solid State Drive	-
Storage	Crucial MX500 2 TB 2.5" Solid State Drive	£96.00 @ Amazon UK
Storage	Western Digital Blue 6 TB 3.5" 5400 RPM Internal Hard Drive	Purchased For £140.00
Storage	Western Digital Red Plus 6 TB 3.5" 5400 RPM Internal Hard Drive	£127.04 @ BT Shop
Video Card	Sapphire PULSE Radeon RX 6700 XT 12 GB Video Card	£327.98 @ Overclockers.co.uk
Case	Fractal Design Define R4 ATX Mid Tower Case	Purchased For £140.00
Power Supply	EVGA SuperNOVA 650 G2 650 W 80+ Gold Certified Fully Modular ATX Power Supply	-
Optical Drive	Pioneer BDR-209DBK Blu-Ray/DVD/CD Writer	Purchased For £45.00
Case Fan	Fractal Design Dynamic GP-12 68.4 CFM 140 mm Fan	£20.11 @ Amazon UK
Case Fan	Fractal Design Dynamic GP-12 68.4 CFM 140 mm Fan	£20.11 @ Amazon UK
Monitor	BenQ EX2780Q 27.0" 2560 x 1440 144 Hz Monitor	£492.00 @ Amazon UK
Monitor	AOC 24G2U/BK 24.0" 1920 x 1080 144 Hz Monitor	-
	Prices include shipping, taxes, rebates, and discounts
	Total	£1557.24
	Generated by PCPartPicker 2023-06-09 16:37 BST+0100

Provide any additional details you wish below.
At the moment I have this RAM - however I can't find any more of this set in stock. How close to this do I need to get to expand my RAM? do CAS timings need to be matched, or just speed? Is it worth selling my existing RAM and purchasing a 32gb set instead?
NOTE: You do not have to follow this format, but please be sure to answer these questions. Please do not ask to simply be given a build. You are welcome to delete this section.

I've always been mostly ambivalent about hitter CAPs. They don't induce anger for me when I see them. Cheesy sidearm pitcher CAPs are the scourge of the Earth and have no place in Ranked play.
I do feel like this year's tendency to lock its best cards behind Chase packs and nullifying your lineups with Sets has made me a little more understanding toward people who want to grind out a position that they can get value out of all year long, whether it's catcher or shortstop, etc. Anyone opening up to the idea of CAPs, for hitters, given the state of content delivery this year? If this is the direction SDS is committed to, I also wouldn't be surprised if we see a complete removal or considerable nerfing of CAPs next year, to remove this as an option for people to buffer their lineups altogether.
I know a lot of people use CAPs already, but I also know there's a core of purists who are just uniformly against them. Anyone relenting a little bit by the grind/MUT-iness of this year's game?
​

Like Amaz pay is easily approved for Icici credit card holders or Tata Neu for Hdfc customers?

Hi, I was charged for interest (not big amount) even after I go in the app to pay before due date every month because I somehow have been missing a charge here or there thus the interest rate on my Alaska Airline credit card.
So I tried to set up autopay via app and web. It seems like it's impossible. I called Bank of America and was on the phone for an hour and she wasn't able to help me.
I tried to google results/youtube videos but apparently Bank of America continues to change up the layout so it's impossible for users to set up auto pay. The videos I watched, they already changed the interface so I cannot find the right place to set it up. Why is a large bank like this intentionally do this? So they can make money off interest? Please help.

I've applied for 3 cards this year, got approved on the spot for all of them. This all in the past 3 months, would it be unwise to apply for an additional card?
The cards: CSP in March CFU and CFF in June
Background: all my payments are paid on time, no debt, 730 credit score, total credit limit of cards is 60k

I recently got a credit card in February and I started with a 690 credit score (sourced from vantage). I know when you open a new account, you will take a hit to your score. But I’ve been paying my amount in full every month and have only seen a 1-2 point increase. Plus in the beginning they had done a credit limit increase. ( I have the Savor One student card with a $1000 limit)
I would like a step-by step plan on how to increase my score.
Also how do returns work in credit card and why don’t I receive the money back?

Cryptocurrency Name: Golden Inu
ICO Presale Link: http://presale.goldeninutoken.org
Token Network: Ethereum Blockchain
Token Type: ERC-20
Future Token Symbol on Network: $Golden
What exchange [DEX/CEX] will this token list on? Uniswap
Maximum potential yields: +10,000%
Expected yields from this presale price: +1,000%
Minimum potential yields: +25% (listing day’s instantaneous ROI)
Official social media:
http://www.twitter.com/GoldenInuToken GoldenInuToken
GoldenInuverse (Play-to-earn game that’s releasing fairly soon)
How will this token increase in value?
Multiple crypto applications will be launched starting with a play-to-earn game [p2e] titled ‘$Golden Inuverse.’ This will be a subculture catalyst and create a space where thousands of people will need to learn how to buy & sell the Golden Inu token.
Those thousands of people, who will have to hold tokens to play the game (both to earn and to make in-game purchases), will create an increase in transaction volume. That volume increase will be reflected on all the top coin exchanges and cryptocurrency indexes, making thousands if not millions more crypto traders aware of the brand. These traders will start to invest in Golden inu, looking to generate profits for themselves.
In layman’s terms, the game will compound the liquidity pool of this ERC-20 token along with trading volumes. Both will have a positive effect on token value.
All of this is also considered a valuable addition to ‘branding value’ and ‘branding equity.’
What more is going to be released?
After the game is stable, two additional crypto products will be released by Golden Inu token.
The first will be a crypto marketplace. Think OG days of ‘Amazon/Shopify’ and this is what GIT hopes to do for crypto. A simple app will be released where Golden Inu Ecosystem members can post goods or services for sale and receive payment in crypto. All transactions will either be done in the $Golden token or require a swap that still requires the $Golden token.
The second project will be a ‘crypto swap’ or on-ramp that will allow instantaneous swaps between between bep-20 and erc-20 tokens. All transactions on this swap app will be handled through the $Golden token as well.
Last and most impactful perhaps, the Golden Inu token team will release a Decentralized Exchange for crypto [DEX]. This will further cement the ability to swap any type of tokens from both the Binance-chain and Ethereum Chains instantly. And all will be facilitated through usage of the Golden Inu bep-20 and erc-20 tokens.
Exit Notes:

• Watch the official website.
• If you need help purchasing, search “how to buy Golden Inu” on YouTube.
• Keep up with what’s being said about the token on “Google News”