Why In the hell are you blaming others for problems in your home that you bought with probably more of your followers money than your own? No I didn’t watch your live, because I was actually working to pay for my bills. You knew before you signed any papers that your money was going to be super tight for this house. You even expressed it a few times on live. Now Im hearing that the inspectors and realtors set you up? Didn’t you hint at something being wrong when it took a decade to get papers notarized/signed for the home? You and Smurf Diddy are the only ones to blame for your poor financial decisions. Absolutely no one else!
You both knew that you couldn’t afford this home and are now trying to bleed your followers and social media “friends” dry. When are you going to put on your big girl panties, get a job, and figure it out for those kids? You shouldn’t of had your followers/moderators push you both into buying that house. You both could hardly keep up with the one you were renting. Y’all are trying to act like you’ve made it, but nothing has changed except you and smurf begging more and more everyday. Wake the fuck up and live in the real world. You’re not famous. Be responsible ass adults! Sorry not sorry… you both are a hell of a lot older than me and I can pay my bills without begging strangers online.

Really just want a simple to use ACH processing service. Don't mind a small fee, but the 1% fee Quickbooks offers (rent on my units are all over $1000) and roughly $5 fees other service providers offer is crazy.
My bank (US Bank) requires me to pay $15 a month for the 'SinglePoint' service which is just a bunch of tools I don't need. $1 ACH processing fee on top of that.
Melio does not allow me to automate requesting rent from my tenants on a monthly basis nor does it allow me to setup different deposit accounts. Only one at a time. This second point to the exact same reason I can't use Zelle.
Multiple deposit accounts and automated monthly billing.
Any ideas?

[M]/Doing retro just in case, coz it took me much longer to lay this out lol/[M]

Canadian Federal Elections 101

Canada has inherited its political system from the United Kingdom, sticking to Westminster parliamentary system ever since. This means, that unlike in the United States, the outcome of Canadian elections are won by whichever party manages to elect the greatest number on Member of Parliament to the House of Commons of Canada, allowing the leader of this party to assume the office of Prime Minister.

The Senate of Canada provides for a stark contrast, since despite being originally designed to ensure provincial representation, the upper house remains unelected and is largely subjected to the politics in the House of Commons.

When no party is able to secure more than 50 per cent of seats in the House, a leader of a political party that is able to command more than 50 per cent of MPs, for example through singing supply and confidence or coalition agreements with other parties, becomes Prime Minister instead. Historically, however, the largest party in the House of Commons tends to form a monitory government, when it commands a plurality of MPs, rather than an outright majority. This allows the largest party to remain in power, but it has to rely on MPs from other political factions to pass crucial pieces of legislation, especially when it comes to votes that indicate parliamentary confidence, such as federal budgets. Losing those votes, would effectively mean that the current government has to either be completely re-staffed with new Cabinet Ministers, or call a snap election.
However, minority governments remained fairly uncommon in Canada, since the current voting system, called First-Past-the-Post (FPTP), allows for individual MPs to win their respective ridings - also known as constituencies - to be elected into the House of Commons with a simple plurality of votes. Thus, a political party can win most seats in the House of Commons through strategically placing their bets on ridings with very tight margins, where just one extra vote may allow their nominee to win a permanently seat, effectively making all votes for the opposition candidate in that riding meaningless.

General Backgrounder

For example, the Liberal Party of Canada has won the last two federal elections with a plurality of seats in the House of Commons, despite coming only 2nd to the Conservative Party of Canada during popular vote. The Liberals, despite becoming the largest party in the House still fell short of winning the majority of seats, being forced to rely on the New Democratic Party, that represented are more progressive social democratic part of the electorate, for crucial votes. Later, the Government has called a snap election aiming to get their desired majority, but failed, and had to sign a formal Supply and Confidence Agreement with the NDP, that included a massive package of social programmes, such as the recently implemented national dental care and prescription drug insurance.
However, while enjoying a steady lead in polls vis-a-vis, the federal Conservatives during the pandemic, the Liberals had experienced persistent slump as post-pandemic recovered coupled with sticky inflation and rapidly deteriorating housing crisis. As the Federal Conservatives have moved to the right following the election of a new leader, they have utilised concurrent economic challenges and liberal economic policy, blaming the current government's pandemic related emergency spending coupled with expansion of social programs as the root cause for inflation into collapsing housing affordability. As Canada had to respond to America's Inflation Reduction Act with a new public investment into green transition, conservative criticism of the Trudeau government has become ever more vocal, with fiscal deficits presumably exacerbating, concurrent inflationary pressures.
Liberal policies, especially introducing the federal backstop mechanism for carbon pricing, has also spurred, vicious opposition, among Conservatives, especially those living in the Western Canada, that culminated in the razor-thin re-election of the United Conservatives in the oil-producing province of Alberta. The federal response to the freedom, convoy protest, as well as the general push, forever wider collective community during the pandemic, has created some fertile soil for the opposition, Conservatives to capitalise on, especially as the more moderate leader of the party had been ousted shortly after the convoy protest.
After more than eight years in government, the liberal party has also been embroiled in several corruption and ethics candles, including the SNC-Lavallin affair, the pandemic-era ArriveCan App scandal, and, most recently, the accusations of Chinese electoral interference, and Chinese police stations operating in Canada.
In fact, the situation for the current government has become so dire. It's a point, but more than 80% of forecasters projected a Conservative minority government has the most probable outcome for the next election. According to some polls, the Liberals would be unable to form a government, even with the support of the New Democratic Party. The liberal convention in late spring 2023, didn't provide much of a relief either, how's the party continued to lack a comprehensive platform to combat the issue of housing and affordability - something that steadily climbed the rate of priorities for many Canadians, to become the most pressing issue, when deciding who to vote for. If anything, the Conservative party has become the most popular political force, among younger Canadians, with their laser, sharp focus on the issue of inflation and housing affordability.
The issue of housing affordability has become central to the Conservative Convention, where the Party has committed to "restoring" home ownership across the country, through planning laws deregulation and "removing resections on the supply of housing". This would see the federal government to tie federal spending on housing to municipalities shortening approval times, waive HST/GST for housing, as well as allow landlords to re-invest their profits into new housing tax-free. The Conservative convention also proposed federal infrastructure funding to be linked to higher-density housing construction.
What did, however, play in favour of the current government, what is the time. Within Canadian Parliamentary system, the Prime Minister can call an election effectively anytime, so long their term doesn't exceed the four year threshold, that was approaching at Fall 2025, supported by the Supply and Confidence Agreement with New Democrats. As inflation in North America has started slowly subsiding to return to the 2% target in early fall 2024, Trudeau has managed to re-gain some the economic credibility his government has seemingly lost. The Liberals have also continued their tilt to make some inroads into the NDP camp, with the Federal Budget 2024 going heavily on Net Zero and Green Transition.
However, the Liberals also had to deal with a political deadline, whether to call and election before or after the Budget 2025 would've been published. The former might allow the LPC to avoid the criticism of "buying up votes" that the party received after calling the snap election shortly after introducing their Federal Budget in 2021. However, Trudeau also had a stake at deferring the election for long as possible, hoping that waiving inflationary pressure might open up more space for the Liberals to re-gain the economic ground over the Conservatives.

Federal Election 2025

After long deliberation, the federal Cabinet has opened to hold an election in late March 2025, right at the time when a government would have normally tabled their budget. The election that both the Liberals and the Conservatives have approached after almost a year or neck-and-neck perforce in the polls, with Trudeau having a minuscule advantage in personal ratings.
The economy, especially housing affordability, have become two main issues during this election, closely followed by healthcare - namely access to family physicians and waiting times for selected procedures - and the issue of inflation still lingering at the back of the public debate.
Trudeau himself because a matter for the debate, with the Liberals banking on his personal likability, while Federal Conservatives continuously pressed with corruption and ethical scandals and corruption allegations, combined with the Liberal campaign continuously bringing up the "electability issue" of their opponents.

Housing

With the Tories enjoying slight lead on the matter of economic competence, the Liberals opted to treat the housing crisis as a matter of social policy, while banking heavily on personal popularity of Trudeau himself. From the policy-standpoint, LPC Election Platform has effectively copied the proposal originally voiced during the Conservative Convention. Namely, waiving GST/HST for housing construction, allowing landlords to re-invest their profits into constructing more units tax-free, as well as linking federal spending to new housing development and liberalising permitting process. The difference with the Conservatives was the focusing on new federal spending to combat housing affordability.
Liberal election promises involved the commitment for new federal housing construction to exceed population growth by the end of the first term, through the government directly contracting private developers to build more affordable housing, and task the Canada Infrastructure Development Corporation to provide funding to non-market housing in numbers meeting or exceeding population growth in larger metropolitan areas on Toronto, Vancouver, Calgary, Montreal, and across Atlantic Canada.
Unlike the Tories, Trudeau also went further, promising the government would cover development charges for projects that included affordable housing. The Liberals have also committed to conducting of affordable rental housing, aimed at younger Canadians and those who are yet to start cloning the property ladder. Conservatives on the other hand emphasised Trudeau's poor track on housing affordability, combined focusing on making home ownership more affable through market-driven construction of new units for sale.
Both Team Blue and Team Red have committed to expediting the arrival of new skilled trades professionals, especially those working in the housing sector, including interest-free loans to have their qualifications recognised or to up-skill their existing credentials. Liberals however, took a step further, promising automatic Permanent Residency who has worked in residential construction after 1 year, as well issuing Open Work Permits - exempt from the Labour Market Impact Assessment - to anyone with construction work experience willing to come to Canada, so long they continue working in the construction sector for the majority of their time before obtaining permanent residency. The Tories on their part suggested granting PR automatically after they've worked in construction for at least 5 years.
On the matter of banning foreign buyers, both parties have committed to banning home purchases in Canada for those who do not hold Canadian citizenship or are not Permanent Residents of Canada, with Liberals maintaining existing exemptions, so long the person buying has invested an equivalent amount in affordable housing construction.
Rhetorically, the Liberals have echoed the National Housing Act 1938, suggesting their government would run fiscal deficits to finance nation-wide home construction, especially affordable rental units. CPC has openly accused Trudeau of "policy stealing" choosing to emphasis permitting deregulation, subsidies for new units, and investing more construction professionals.

Healthcare & Social Care

Federal Conservatives have focused their attack in increasing waiting times, as well as increasing shortage of medical professionals across the country. Liberals, however, aimed to conservative proposals to introduce more private providers into the system, while emphasising their expansion of public health insurance that now covers both dental care and prescription drugs. Both parties suggested increasing the immigration intake for doctors, nurses, medical researches, providing financial support to have their credentials recognised in Canada as well as to update their skills.
The Liberals have however suggested lowering tuition rates international students who come to study health, social care, and eduction, granted them access to domestic rates of tuition, as well as a designated pathway to Permanent Residency for health, eduction, and social care who have obtained at least 1560 hours of Canadian work experience, and received at least part of their eduction in Canada. This would come as a supplementary measure, with domestic students becoming eligible for federal student loan write off if they have accumulated at least 1 year of post-graduation work experience in health, social care, or education - so long their degree is in the same field.
The Liberals have also committed to covering a Royal Commission to introduce a national social care insurance programme for seniors and people with disabilities.

The Economy

The Conservatives suggest introducing "full expensing" allowing companies to deduct up 120 per cent of their expenses on machinery, equipment, and non-residential property, akin to UK's Super Deduction, to combat Canada's low investment levels. They also propose to introduce tax credits for Canadian companies to up-skill their workers, as well as increased federal funding to provinces to support job training and second career programmes and labour market integration.
The Liberals suggest increasing the minimum wage in federally-regulated institutions, linking as a proportion of executive pay. LPC also pledged to introduce at least 4 weeks of paid vacation after 1 year on employment, with additional increases in line with employee tenure, as outlined in their Convention 2023, while brining paid leave of up to 6 weeks a year, allowing recipients to tradition onto disability payments after that.
Both parties have committed to supporting Employee Ownership Trusts, as well as introduction of worker representation on corporate boards in federally-regulated industries. Team Red however to it a step further, suggesting they will employee ownership mandatory for large corporations , with the only exemption provided for profit-sharing schemes.
Both parties have also supported reforming Canada's Employment Insurance Program:
The Conservatives suggest introducing Individual EI Savings Accounts that any Canadian can access whenever they are let go of their job or decide to quit. The proposed accounts would be funded through mandatory employer and employee contributions and could also be used to pay for labour training and re-skilling, with means-tested federal assistance available for those who's exhausted their accounts. Tories also suggest expanding current marginal earnings projection to apply to both individual and household income. The party also suggests waiving EI Premiums and provide rebates for C/QPP Contribution rebates to those not paying federal income tax, to guarantee every Canadian can earn at least $1000 a month free of payroll deductions.
Trudeau on the other hand suggested making EI coverage universal, and providing up to 90 per cent wage replacement in the first month of claim, while also introducing EI Benefit Floor, where every Canadian would be entitled to a minimum benefit equal to federal minimum wage regardless of their original earnings, for as long as they have enough insurable hours. The Liberal plan also introduces expands "working while on claim" provision, allowing people collecting EI benefits to have their wages supplemented through the program so their total paycheque reaches at least 90 per cent of their average 5-year earnings at all times, regardless whether the claimant is eligible for EI Regular Benefits. EI Parental Benefits are set to be fixed at at least 60 per cent of the family's income, subject o the benefit floor. Liberals suggest paying for the programme through waiving maximum insurable earnings to levy EI Premiums on all income of an individual, while introducing cap on benefits linked to median regional wages. However, the basic exemption shall be aligned to the federal income tax minimum threshold. Surpluses generated should be used to pay for expanded WWoC provisions and putting EI Operating Account back into surplus.
Both parties also committed to brining in a Canada Savers' Credit that mirrors both the amounts and eligibly criteria of the GST/HST tax credit, but is instead deposited in people's Tax Free Savings Accounts (TFSAs) and automatically invested into corporate equity. Tories and Liberals also support introducing automatic enrolment for Registered Retirement Savings Plans (RRSPs), Registered Eduction Savings Plans (RESPs), Registered Disability Savings Plans (RDSP), First Homebuyer Savings Accounts (FHSAs) and TFSAs upon either birth of obtaining Canadian tax residency for eligible non-Canadians. While the Conservative proposal would new accounts automatically linked to existing financial institutions the individual already has an account in, the Liberals instant new accounts should be automatically assigned to a new independent crown corporation, so long the primary account holder haven't decided to the move their registered accounts to an eligible financial institution.
Both parties pitch the policy as a potential interim solution to address Canada's sky-high household debt, through increased asset ownership and participation in stock markets.
When it comes to fiscal policy, the Liberal Government suggests they'll keep their "structural deficit" - as defined by tax revenues versus programme expedites - bellow the rate of economic growth over the 10 year period. LPC however is open they'll not restrain their spending on new housing construction, Ottawa set to absorb almost all the costs of housing under the liberal plan. The Conservatives on the other hand suggest introducing the $1 for $1 rule for federal expenditure, where every dollar of new spending has to be offset by a dollar in spending cuts or increased taxes, suggesting to balance the budget in their first 5 years in the office.
Somewhat comically, the Liberals seem to be attacking Conservative proposals on the grounds it may bring back the pain on the nighties - referring to the Chretien austerity era - especially in Atlantic Canada and the Regions of Quebec where benefit dependency ratios have traditionally been elevated.
The Liberals have also committed to expand existing childcare agreements, to make childcare services and spare available to anyone, and drastically reduce wait times for subsidised spots.

Energy & Environment

The issue has surprisingly played a somewhat muted role during this election, as CPC has contained to opposed federal price on carbon, pressuring the idea of turning Canada into a "natural resource superpower". Liberals on the other hand boasted about their massive investment into Net Zero Transition, while also attacking the Tories one potential fiscal penalties that the government would assume after cancelling the carbon tax. Team Red had also opened to cling to previous commitments of the Conserve Leader to ban overseas oil, which Ontario, and Quebec, as well as Atlantic Canada remain fairly dependent on, due to lack of oil transportation infrastructure from western oil production facilities. Considering the fact Quebec has remained one of Liberal strongholds even at the lowest, as well as the party's perceived electability in the province, CPC would've had even harder to fight for the votes in Quebec.

Tipping the Scales

However, what truly decided this election, was something that may in the future divide the country even more, namely the issue of the French language. Something that has been present in Canadian politics for generations, but something that this time brought a party over the finish line, while completely tanking their opponents.
While both leaders fluent in French, having French Canadian roots, combined with an almost unchallenged dominance of the local Bloc Québécois, it seemed quite unlikely either party would be able to gain any meaningful advantage in Quebec, until both parties have revealed their election manifestos.
Here was the moment the Liberals played their cards best. Namely, the party has committed to supplying French language both within and outside Quebec, through drastically bolstering access to Francophone eduction across the country. The Liberals has committed to introducing a brand-new federal agency tasked with facilitating access to French eduction and integration services - Francisation Canada.
The agency was set to provide free-at-use eduction in French, while also providing up to $1000 a month in finical assistance to immigrants who were willing to learn French. On top of that, the Liberals have committed to make existing Explore and Odyssey Programme universal, integrating them into school curriculums across the country. The Party has also committed to negotiating bilateral agreements with all provinces to provide additional funding and guarantee access to services, including eduction in French across Canada, while making French a mandatory subject for Early Learning & Childcare, as well as in secondary education. LPC would also waive tuition fees for post-secondary eduction in French, and negotiate agreements with other francophone countries, to facilitate French-speaking immigration into Canada and Quebec.

Conclusion

Thus, on the night of the election, the sudden realisation waived through the country. The Liberal Party managed to protect their urban ridings, even in West, as their pledge to "spend whether it takes to make houses and rents affordable for everyone" managed to persuade swing urban voters across the country, combined with their massive investment in green transition. The Tories has also lost their lead in Atlantic Canada, where an idea of a massive EI expansion has resonated with voters much more than the concept of individual accounts. Massive subsidies in battery production have also helped the Liberals to protect their seats across Ontario, especially in former industrial towns. However, what actually brought Trudeau over the finish line, was Quebec. The Combination of absolutely massive investments into green tech, coupled with new social programs, and proposed childcare expansion, on top of the Liberal pledge to "protect and promote the French language from Coast to Coast to Coast" allowed the party to make some significant inroads across the province, despite loosing some suburban ridings, Central Canada gave Trudeau yet another chance to form yet another minority Liberal government.
​

Party Name	Popular Vote	Seats in the House of Commons of Canada
Liberal Party of Canada (LPC)	33.8%	158
Conservative Party of Canada (CPC)	35.8%	140
New Democratic Party (NDP)	19%	20
Bloc Québécois (BQ)	6.2%	21
People's Party of Canada	1,5%	0

​

Acknowledgements

• https://energynow.ca/2022/04/energy-east-will-not-live-again-heres-why-jean-francois-thibault/
• https://2023.liberal.ca/policy/
• https://macleans.ca/politics/ottawa/erin-otoole-socialist-crusade
• https://www.cbc.ca/news/politics/grenier-election-results-1.5330105
• https://tnc.news/2022/03/25/pierre-poilievre-proposes-ban-on-foreign-oil-within-five-years/
• https://nationalpost.com/news/why-does-pierre-poilievre-appeal-to-young-canadians-its-all-about-economics-2
• https://www.theglobeandmail.com/politics/article-conservatives-more-trusted-than-liberals-to-manage-federal-finances/
• https://centre.irpp.org/research-studies/amending-the-official-languages-act-a-new-vision-of-bilingualism/
• https://energynow.ca/2022/04/energy-east-will-not-live-again-heres-why-jean-francois-thibault/
• https://tnc.news/2022/06/22/poilievre-pay-as-you-go/
• https://www.ctvnews.ca/politics/where-the-six-conservative-leadership-candidates-stand-on-key-policy-issues-1.5888530
• https://newsinteractives.cbc.ca/elections/federal/2021/party-platforms/
• https://338canada.com/sim.htm

My gf is saying it's my fault she can’t go and it makes me an AH so I was wondering...
My gf Mara (23F) and I (24M) live together in a different city to her main friendship circle. The reason we moved was because I had a job opportunity and it was too good to miss.
Mara wants to see her friends in that city but there's one boy there she really dislikes but managed to finesse his way into the group, Mark (24M). She used to date him when they were teenagers and they have completely different political views.
One of the things she wants to do in the city is a bike trail ride however no-one else wants to come with her apart from Mark so she also asked me to go. I don't want to for a number of reasons:

1. I can't cycle confidently, especially not on mountain bike trails
   
2. I also don't like Mark, he's tried to one up me before regarding my girlfriend
   
3. I don't own a bike and would have to rent or borrow one from someone else and I don't want to go through the hassle of returning it
   

My gf is saying my refusal means she has to cycle with Mark alone and she doesn't want to so I need to come with her or she can't go. However, I don't feel safe on the the trail anyway and I don't feel like breaking an arm which I think trumps her discomfort at having to cycle with Mark. AITA?

trying to help a QXfriend who once helped me. We were in a pure food cult of sorts and I escaped, but she got worse. She kind of "got out", but went on into the Qult. Any money she had in her life she spent on expensive foods and "pure" lifestyle.
I have a hard time "in the normal world too", but bought a solid home and worked a solid career, on fixed income now, everything is rationed.
She is now broke & homeless and called me crying saying she was in an abusive situation. I am renting the house I own for a year to help my daughter finish in her art school abroad. I'm in the process of deep cleaning and screening renters.
I told her she could move here and help me deep clean & then live in the tiny lockOFF and get a job, save money and then be on her way.
Turns out she interviewed for just one catering job that starts in a month.
She won't work in many places inc out local huge hospitol that of course requires a Covid vaccine. She won't work anyplace that uses "toxins" to clean or air fresh etc. Now she claims to have hurt her hand cleaning with me in my home. I told her to wear gloves but "latex" or whatever.
She records herself saying conspiracy theories that I think she posts on YouTube. I don't have the stomach to see these.
Her hand and joints have all swelled up and she has obvious signs of infection. She refuses to take antibiotics, instead asked me to purchase organic herbs. I told her no, that's her job to buy expensive herbs.
Her checks aren't accepted anyplace near us, and she claims her bank was hacked, because "The world is a crazy place". Etc. She can't really help me clean afterall because of infections n all.
Anyway. She is ANNOYING and I should have compassion but...I just want her to go someplace else.
How the HELL do I get her to go. It's barely been 10 days and I"m jumping out of my skin.
Thanks for reading this. How do I get her to GO NOW

2x2 B Room in UV available, females only. Renting for this summer, price negotiable, somewhere in the range of $500-600 a month. Can move in as early as this Monday. DM for details and contact info.

Serious question! I know daycare and or nannies are expensive and I’ve seen posts echoing the same but I’m genuinely curious how much of our incomes are we putting towards it?
I wish I could stay with LO longer but we can’t afford it with SO’s salary and I make more.. but I find that weighing my options (daycare vs nanny) half to over half of my salary would be going to childcare. Is this normal??
I’m being honest I wanted to consider the nanny route since LO is just 3 months but I calculated it and I’d be paying half my salary by doing the nanny for just 24 hours a week as opposed to the 40 hours I work.. I’m considering it since I WFH but I know that’s not sustainable… daycare would be about half my salary but I honestly still think that’s too much.
We are moving to a major metropolitan downtown area next week hence the crazy costs and honestly cost of living in this area is so high SO’s salary will primarily be going towards rent. I wish I could retain more of my salary to save.
Anyways this is kind of a rant and also I genuinely want to know if this is normal for childcare?

I currently make over $30 an hour in a police academy, I thought it would be good for me but a lot of the people are incredibly homophobic and say super sketchy stuff and physically I don’t think I can get through it. I have asthma which makes the constant running hell and the stress of waking up super early every day and getting yelled at is killing me. My girlfriend doesn’t like cops and it’s strained our relationship a bit but I just wanted to help people and I wanted to be able to pay the rent all on my own and take care of us. I’m 21 years old and the only other stuff I’ve done is retail, food services ect. I want to quit to get a job that doesn’t kill me mentally and force me to cut my hair constantly. If anyone has any advice please let me know, I don’t know what to do for work if I do quit and I’m having a slight mental breakdown.

Father of two in Roseville, but want to separate from my partner, currently. Looking for a quiet spot for me to continue working m-f 10-6pm while close to my daughters, I’m a quiet person. Just throwing this out there out of necessity. Not looking for being more than several months at most, but still flexible. Message me if you’re interested in chatting. I’m an empath, and I’m extremely nice. I wouldn’t have my children here, at all. The market is just terrible out there, and with paying two rents, I’m just trying my best!

So I left my ex two years ago. I have had family and friends tell me how he was manipulative and would gaslight me. I did everything and paid for everything that our son needed. I never saw him put any effort for him to learn to take care of our daughter but always felt he has a right to make decisions. I had post partum depression DURING covid. I felt so alone he was never home b/c he was working on one of our rentals and I would continuously tell him I needed a break. His solution was go work on the rental while he watched the baby(how is that a break???) I needed sometime with him. I never ended up getting a job related to my degree b/c we made his career a priority since he kept getting great opportunities. I felt alone and that I had sacrificed so much and when we would argue he would call me ungrateful. I finally couldn’t take it anymore I would yell at my son and I couldn’t stand with him clinging to me all the time. I was overwhelmed and burnt out and I had no help from him. I finally left, a couple weeks after I left he was already on social media reaching out to other women. He would tell his family he was working on it but he would be saying hurtful things during arguments while I would just continue listing reasons why I left. It has been a mess! I’ve been going to therapy b/c I don’t trust my thoughts but I want to hear from couples out there too. Today he told me that when we first moved in together I was a very unhappy person no matter what I was always mad or sad about something. I vaguely remember our first years together. I’m thinking how draining it could be being with someone like that. Also, I didn’t feel respected since the beginning which made me feel resentment towards him. He made me pack up and stay with a friend when his family visited and left with them without telling me leaving me to figure out rent/bills. I want to say we were in college and young but does it make it right that he made me feel so alone and unappreciated and unloved for years. I had insecurities b/c of how he tried hiding our relationship. We have gotten so far together and it hurts that it ended so badly. We both said and did things to hurt each other but it’s years of built up hurt and it seems we both had resentment towards each other. It’s hard to feel like it’s all my fault when throughout our relationship no matter what he said or did I kept loving him and trying to work on our relationship while he kept pushing me away more and more. Is there even a chance???

I am fairly new to Yardi and I am having a terrible time with the rent roll report. I was assigned figuring out how much our total GPR over the year would increase. I figured I could pull a rent roll to show what our current residents pay for rent, and another report of what our future residents will pay. I’ve been looking up each individual account because nothing I do will work-please help!

Who has gone through an ending marriage/ relationship in early sobriety? How did you get through it especially with kids involved? I just don’t see how I’ll get through it.Never imagined I’d be an alcoholic married and divorced with two kids all before 30 smh. I feel like such a loser. I have no one to talk to, I drove away and I’m now avoiding anyone that I’d be able to talk to out of embarrassment of what happened during my last relapse. I’m the family member everyone gossips about and feels sorry for . They’ve got the happy marriages with the big houses , new cars ,successful careers and well adjusted kids they can take on vacation .My kids deserve so much better that this shitty situation. I’m terrified of being a single mother, terrified of being alone, never even lived by myself What if I lose my job? What if my car breaks down?What if I don’t have enough to pay rent because I definitely can’t afford this mortgage. What if I get sick ? Will I get old alone? Will I die alone ? What if I die too soon when my kids still need me? So many what if’s but No one is coming. Just me myself and I. Sorry this is depressing, I think I’m depressed again. Time to get back on Prozac. At least I’m sober, I can’t go back to drinking. I know I will lose the only thing that matters in my life right now, my kids. Please pray for me if you pray . Thank you for reading if you made it down here.

Hi folks!
Just moved to the USA for work, my SSN is coming soon, and I'm gauging which credit cards I can get. I already have a US Bank account for bill payments and direct deposits.
CREDIT PROFILE

• Current credit cards you are the primary account holder of: I started my application for AMEX Gold (through NovaCredit or Global Transfer), 90k+$200 SUB
  • I have a 1% no-FTF CC, 5x MR Points (with FTF 3%) on dining, groceries (AMEX Cobalt) both in Canadian, and CC with 4 PriorityPass
• FICO Scores: Probably no credit score/history at all. I have a Canadian Credit score equivalent to ~800 here.
• Annual income: $100,000+ (Silicon Valley)

CATEGORIES

• OK with category-specific cards?: Yes
• OK with rotating category cards?: No
• Estimate average monthly spend in the categories below
  • Mostly Dining then Groceries (whatever is near me, then Costco), around 1000/mo combined
  • In the future more travel
  • Any other categories: Maybe public transportation
  • Rent by credit card? Not a big factor right now

MEMBERSHIPS & SUBSCRIPTIONS

• I have a Canadian AMEX Account (Credit Card Only)
• Don't want Business Cards

PURPOSE

• Travel Rewards or Cashback
  • In Canada I use MR points and Aeroplan (Air Canada/Star Alliance)
  • Here in US, I'm looking for MR, UR, or a good recommendation for transfer partners
• Any Cards I'm looking at:
  • Well, AMEX Gold (Rewards) or Zero-AF AMEX (Build Credit) card because they can use Foreign credit score
  • Chase Freedom Unlimited or Preferred (Not sure if they will accept someone with no credit history and/or just got one AMEX Card, but I want to start on the chase 5/24)
  • Citi Double Cash
• I'm not looking for anything that is purely for building credit score, and I'm not looking for anything that has a 1% cashback rate as my Canadian Credit Card with 0% FTF is already 1% back on everything

Open to any suggestions, or comments.
My current plan is to start with AMEX Gold, then see if I can get a Chase Freedom Unlimited or Preferred card next (should I get the Chase card first if I can?). Then I'm looking at the BILT Mastercard, AMEX Plat, Venture X, or Chase Reserve once I have a better credit score.

I'm (27F) doubtful about a surprise trip for my SO (33M) birthday
Hi, I need some advice concerning a trip for my long term bf (Jon, 8 years together). Jon and his friend Ben talked about a 4 days trip to Amsterdam a few weeks ago. Nothing came of it since we were all busy.
Four of Ben friend would have come and they'd rent an Airbnb. I throught it'd be nice to plan it as a surprise for his birthday (amost to the day). Ben told Jay the trip was cancelled (by message) as I was next time to Jon, we live together.
But what Jon said made me rethink a few things. He doesn't know Ben's friend (fair).
He doesn't like sleeping away from home and didn't know how the airbnb would be. That's on me, I need to work out the details and take a look at the rooms (private or not).
I'd be left alone at house while he's having fun. To be honest we're kind of hermits. We don't get out often and without each other's. I'm pretty sure it will do him good. It doesn't bother me at all.
Admittedly I spoke to Ben in a rush and omitted some important details. What happens if his social battery ran out? Wouldn't four day be too long? If the airbnb is that great will this stress him too much?
I think I should compromise and join them the third day, book an hotel room for us two for the last. It'd be half half. I've never made him such a surprise. Not gonna lie, it's stressing to keep a poker face and not being able to talk to him at the risk of revealing the surprise.
Or let him go and offer to buy his train ticket when he wants go back home if four days is too long that it becomes stressful.
Cancelling is always possible but it'd be sad, Ben not often available and we are planning a trip for the two of us soon.
TLDR: Bf and I are hermits and I plan him a surprise vacation. Worried it might be a bad idea and bad planning, I'm looking for advice

I know Costco doesn't do delivery. But do any food delivery apps cover it? Or are there potential hacks, like having someone on Task Rabbit do it?
I'm looking to get 10 pizzas for an event in GGP next weekend, and I don't have a car myself (and can't rent one because of other logistics).

I had a roommate stay with me for two months that was not on the lease. We were supposed to split utilities and rent evenly. He was also on my phone plan. The last month he shorted me $200 for rent, he also owes $300 for his phone, and has not paid me for half of the utilities. What he did pay was in cash so theres no proof of payment either way. After he shorted me on rent and threatened my partner and i changed the locks to the house and said we can set up a time where he can come get his stuff because he said he did not want to pay the rest of rent and stay (i have this on recording). Just wondering if its worth my time to take him to small claims and if i will have to prove lack of payment for bills.

Contemplating moving out for the first time, have a job/s lined up, I was wondering if someone could make a list of things they have to pay in day to day life. I’d be renting, so there’d be weekly rent (hopefully getting one where utilities are included), groceries, phone and internet bill, petrol and car insurance. Is there anything I am missing?

23 years old. Salary $78K per year plus a bonus (cash or company stock, performance based ~10k ish usually). Rent with buddies right now for about $750-$800 per month depending on utilities. Probably spending about $2K per month in bills, food, gas etc (rent included). I have no debt. Car is paid off and never went to college.
I feel like renting is throwing away money. I want to buy a house but I also want to max out my 401K @ $22.5K limit per year. Company matches 50% of 6% but feel like I should keep putting as much into there as possible bc it’s tax free…
Have about $30K saved for a down payment for a house, want to save more of course but don’t know if it’s better in my 401K, which would prolong when I purchase a home.

Graduated 3 weeks ago at 36 1/2 weeks and had an overall positive experience (here is my birth story from babybumps for those interested ) but it’s been non-stop scare after scare ever since.
Week 1- After we took the little one home, we ended up back at the dr for jaundice. His levels were around 21, even though there were 6 just over the weekend. Fortunately, our area has a program allowing you to rent the light therapy beds for home use, instead of having to stay in the hospital. So for the next 24 hours, babe was just chilling. He’s back down to acceptable levels and his skin tone has significantly improved!
Week 2- We noticed oral thrush popping up, and at our check uo, the pediatrician pointed out what we thought was a diaper rash was actually a yeast infection as well. So now he’s being treated for both. Our little Yeastie boy.
Week 3- Last night his breathing is very labored, wheezy, and he’s more lethargic than usual, really only waking up to eat. We go to the ER and he comes back with a positive RSV test. We’re sent home with a baby inhaler type thing, and instructions to monitor his temp & other symptoms. (Anything else I can do to make him more confortable or things to watch out for?)
I dont know if its just postpartum hormones or what, but I feel like I’m failing my child. I can’t seem to protect him and keep him healthy. Is this normal? Is it because he was born early? A string of bad luck? Is this just how it is with kids? Advice and feedback appreciated.