Looking into getting a new bike but just wanted some opinions about commencals bike prices. Does anyone think commencal is more expensive when comparing their bikes with other brands and models that have similar components, yt core 2 for example. I love the clean look of the sx and tr but was curious to know if there's anything about commencal bikes that I'm missing and is worth spending the extra money on.

Anyone have any tips on how I can reduce utility bills or if there are any unnecessary bills which I can remove? For reference:

• Walmart+ is a service that I regularly utilize. I believe I save more money in time than what I spend with the $12.95 / month subscription.
• Amazon Prime is a service that I used to regularly utilize but now I mostly use Walmart+. The reason I haven't cancelled it is because I have a discount which I would not be able to renew in the future (about a -50.56% reduction in price) and since I do still sometimes order on the website - just not as frequent. I tried to freeze the monthly payments but was unable to on this account.
• With the phone bill I owe around $390 on a phone which would be fully paid in 12 months. I was considering purchasing used but I was in a rush as I was about travel and I wasn't confident that the used phone would arrive before my flight. I was thinking one thing I can do is buy off the phone with an interest free credit card that I have. Then pay that in 8 monthly installations of $48 and switch to a cheaper service and pay around $30 a month for the phone service. This puts me at $78 which becomes reduced to $30 after 8 months.
• I received a quote for car insurance and can get it to around $25-30 after my current insurance period ends
• I've canceled Spotify, Humble Bundle, and Planet Fitness for a total savings of 442.96 / year. I set up a home gym so having a membership wasn't necessary and I had stopped going to it.
• My short-term financial goals are to get spending to the absolute minimum while also utilizing services that save me in time (so long as those services are reliable and aren't impeding on my financial growth).
• My long-term financial goals are to increase my current business revenue and opening up a second business.

​

Category	Amount
Food & Groceries	350.00
Home Improvement Loan	176.10
Gas	350.31
Water	69.05
Electricity	88.46
Sewage	43.89
Garbage Collection	21.80
Walmart+	12.95
Driver's License / Inspection / Registration	8.88
Amazon Prime	7.41
Business Advertisements	25.00
Phone Bill (2 Lines)	110.66
Business Dedicated Server	85.56
Auto Insurance	63.50
Mortage	676.32
Total	2,089.89

Here is the link (Banggood): LAOTIE 10x2.5inch Inner Tube for SR10 ES18 Lite ES10P L6 Pro L6 ES10 Electric Scooter
Current price is $9.49. The lowest price in my database is $12.99.There're already 2 records in DB. Price monitoring since 14.2.2023!
This post may be old (if you're here from Google), so just go here to get currently active coupons (and price alerts :)) for LAOTIE 10x2.5inch Inner Tube for SR10 ES18 Lite ES10P L6 Pro L6 ES10 Electric Scooter: https://couponsfromchina.com/laotie-10x2-5inch-tube-sr10-es18-lite-es10p-l6-pro-l6/
I hope it's useful for you!
Only real deals and discounts.
https://couponsfromchina.com/
Image: https://i.imgur.com/zPjJ5OE.jpeg

Examples: 1. Not accepting new SC members, all though they f-cked a bunch of them over during the f&f sale at Christmas time 2. Getting rid of SC discount for WMTM items 3. Removing WMTM items and relisting at a higher price 4. Removing WMTM from store & shipping straight to outlets now 5. Raising prices, and WMTM is the old full price 6. Sale prices being ridiculously high, and product isn’t moving at all 7. Re releasing product as new (electric lemon/magenta purple, 10 year old dresses) and acting like it’s not from last year 8. Minimizing their product suite. Making less new product but more colors of the same 💩 lol
Can someone from corporate or an employee who’s “in the know” chime in? WHAT is going on??? Something is in the air and I smell 👃🏽 it from a mile away … 😂
🤔🤔🤔

Hello there, am a professional Tutor with years of experience. If you're looking to make better decisions. Well, you could start by raising your GPA. We will assist you, step by step guidance, proper breakdown of concepts, and supplementary material in the following;
✍ Civil Engineering ✍business tasks ✍chemistry, and physics ✍C, C++, python, java, js ✍Finance &accounting ✍Research papers ✍Case studies ✍Group works, exams & quizzes ✍Computer science ✍programming ✍statistics/mathematic ✍Maths & Calculus ✍Electrical Engineering✍R, SPSS, EXCEL ✍Mechanical Eng
Why you should choose our services: ✔️Good grades guaranteed ✔️Reliable ✔️0 plagiarism ✔️Timely delivery ✔️24hr service delivery ✔️Better prices
Vouches and Testimonials are available on request(For discretion reasons)
Contact details below
Discord: Profright#6369
email: [[email protected]](mailto:[email protected])

Hello there, am a professional Tutor with years of experience. If you're looking to make better decisions. Well, you could start by raising your GPA. We will assist you, step by step guidance, proper breakdown of concepts, and supplementary material in the following;
✍ Civil Engineering ✍business tasks ✍chemistry, and physics ✍C, C++, python, java, js ✍Finance &accounting ✍Research papers ✍Case studies ✍Group works, exams & quizzes ✍Computer science ✍programming ✍statistics/mathematic ✍Maths & Calculus ✍Electrical Engineering✍R, SPSS, EXCEL ✍Mechanical Eng
Why you should choose our services: ✔️Good grades guaranteed ✔️Reliable ✔️0 plagiarism ✔️Timely delivery ✔️24hr service delivery ✔️Better prices
Vouches and Testimonials are available on request(For discretion reasons)
Contact details below
Discord: Profright#6369
email: [[email protected]](mailto:[email protected])

This story needs to be told. Those who have suffered must understand why. It’s not as simple as some have made it to be, which is why it needs to come from the person most responsible… me.
It began when I was least expecting it. But then don’t things always seem to happen that way?
***
“I’m tellin' ya, doc, people just don’t understand,” Frederick said while rocking back and forth in the chair.
“What exactly don’t they understand?” I said, trying to look more relaxed than I felt.
“There’s just something that takes over. You can’t stop it.”
“Impulse control?”
“What’s that mean?” Frederick said, struggling against his straight jacket, trying to get comfortable.
“It means that when you want to do something, you try your hardest not to. It means you try to control or suppress the urge to do things you know are bad.”
Frederick’s mouth lolled open. He narrowed his eyes in confusion.
“Why would I want to do that?”
I suppressed the urge to sigh.
“Because that’s what people do,” I said. “They think about doing bad things, but then they control themselves and don’t do them because those things are wrong and could hurt other people.”
“Hurting people is wrong?” he said.
“Yes, Frederick, hurting people is wrong.”
He shook his head as if he were trying to shake away a fly that was annoying him.
“Why?”
“Why is hurting people wrong?”
“No, why are you telling me this?”
“I don’t understand.”
“You’re saying I’m bad,” he said trying to rise from his chair. “You’re saying I didn’t need to hurt those people. That I’m a bad person.”
I got up from my chair and started backing toward the heavy metal door.
“I’m not bad!” he yelled at me. “You’re bad!”
I knocked on the door and the orderly opened it as Frederick got to his feet.
I slipped through the door as it slammed shut from the impact of his body slamming into it.
“Bad, bad, bad,” he screamed.
“Badbadbadbadbadbadbadbad!”
Spit flew from his mouth landing on the small observation window with metal grates embedded in it.
“You ok, doc,” the orderly said, startling me.
“Yes, I’m fine, thank you.”
I turned and walked down the white hallway, hoping the orderly wouldn’t notice the quickness in my step. I ignored the sound of Frederick beating on the door. I ignored all the sounds I heard. I just wanted to get away.
It was a long walk to my office, through many security gates. At each one, the nurse buzzed me through and gave me an acknowledging look that used to be a smile.
I suppose this place gets to everyone eventually.
I finally reached my office, closed and locked the door behind me, and collapsed into my chair. I breathed out a sigh of relief at reaching relative safety. I turned and looked out my window to the beautiful flowers blooming on the trees in the courtyard. I looked up at the tree stretching toward the sky.
I remember when they planted those.
I turned back to my center, my means of solace, the only thing that mattered in this cruel, unfair world. I picked up the picture of my lovely wife and smiled. She was the one who kept me sane all these years. She kept me seeing the best in people. Or at least trying. Sometimes there was no good to see—especially in my patients.
It takes a special kind of doctor to care for the mental needs of those who have done heinous things that are so bad they don’t even bother sending them to prison. They send them to me.
I’m like the dumpster for the dregs of society. Just drop them in the asylum and forget about them.
I kissed my wife and set her back on the bare desk, then turned on my computer and added notes from today’s session. There was never a recommendation for release. Once patients came here the only way they left was in a body bag. There was no curing them, only trying to make them docile until they left.
Oh, there were experiments. That was a large part of how we were funded. Companies would pay for certain tests to be done. Some might call it torture, but we called it research.
I finished typing my notes and leaned back in my seat. The diplomas and degrees stared down from their perches on the bare walls, mocking me. Demanding why I hadn’t gotten a better job.
As usual, I didn’t have an answer.
My office suddenly felt stuffy. I closed down my computer and left. Driving down the packed freeway, all I could think about was collapsing on the couch beside my lovely Elizabeth. Not telling her about my day until she dragged it out of me, then listening to her encourage me to help those who have been left in my care, because I’m the only hope they have.
Traffic was bumper to bumper and not helping my overall opinion of humanity much. Especially when a car that was swerving from lane to lane, nearly sideswiped me. It kept going on in front of me, nearly hitting several other cars.
The driver and passenger seemed to be having a disagreement about how to drive the car and it looked like it was about to come to blows.
Fortunately, they were soon out of sight, and someone else’s problem.
For the next few miles, I kept watching the side of the road waiting to see the offending car sitting in a ditch. However, they surprised me. They must’ve turned off to go terrorize some neighborhood streets with their reckless driving.
I hummed to myself, not wanting to have whatever dreck was on the radio forced on me.
When I was nearly to my exit, my phone rang. I immediately recognized the number as work. I contemplated answering it for a moment, then thought better of it. There had never been a time when work called with good news. And I was in no mood for bad news.
I hummed a little louder, trying to drown out the sound of the ring before it finally stopped.
The closer I got to home the less I thought about work and the more I thought about Elizabeth. Until I turned off at my exit, I had nearly forgotten work altogether. Maybe I would take tomorrow off and go do something with my wife. We hadn’t been out for a while. The weather had been lovely and I know she would adore a walk down by the lake.
My thoughts were interrupted when I turned down our driveway and saw a car in front of the house. It wasn’t quite in the driveway, it was sitting at an angle halfway in the front yard.
I parked my car and slowly got out. Something struck me about this car, but I hadn’t figured out what. I approached the driver’s side to have words with the person still sitting at the wheel.
“Excuse me,” I said staying a few steps back from the driver’s door.
He didn’t answer me.
“Excuse me,” I said a little louder.
Still no answer.
I tapped on the window and he ignored me.
I opened the door.
“Okay, look… “ I said.
But it was I who would do the looking. The man fell out of the car, thudding on the grass. The inside of the car was covered in blood. I looked down and the man’s throat had been cut.
“Oh my God!” I said jumping back.
I watched to see if the man was breathing, but the way his neck was bent at an unnatural angle against my yard told me everything I needed to know.
I glanced through the car but didn’t see the passenger.
It was then my eyes drifted to my front door.
It was open.
I stepped through the shrubs and up onto the porch, walking in a daze. The surrealness of the moment had yet to sink in. I was going inside to check on my wife and make sure everything was ok.
It didn’t strike me as anything more than that.
‘Oh, she just left the door open, that’s all.’
My mind kept trying to tell me that. I wanted desperately to believe it. Even though she had never been that careless during the entire time we’d been married. I had pushed aside all reason and common sense in favor of pure denial.
Everything was going to be ok. With Elizabeth, everything was always ok. She could literally light up a room with her positivity. She was the best person I ever knew. I have no idea how I got so lucky as to know her, let alone be her husband.
I floated in through my front door on my cloud of denial and looked for my wife.
It didn’t take me long to find her.
There was one wall of the living room she was constantly redecorating. She always said it looked bare and empty no matter what she did with it.
She was hanging from that wall, naked, her beautiful body desecrated by slices and rips. Her throat had been slit and blood still poured from it.
I ran to her.
Tried to take her down.
Screamed her name.
And then it was my turn to scream.
I looked down and saw a knife blade sticking out from my abdomen. It was part of the cutlery set I had gotten for Elizabeth three Christmases ago.
I screamed as I slowly turned to face my attacker.
“What’s up, doc?” Frederick said wearing a maniacal grin.
The shock had punched a hole in my reasoning. I saw him standing there, but I couldn’t accept it any more than I could accept my beautiful wife strung up like a macabre painting hanging on our living room wall.
My eyes tried to focus on his face. To make me recognize him as a threat.
“How’s that impulse control workin’ for ya, doc?”
He ripped the knife out of my back.
The pain, along with his arrogance woke me from my shock-induced stupor.
“Now do you understand?” he said, as he shoved the knife into my belly.
I did understand. I understood at that moment that I was already as dead as my wife. I knew that this piece of human garbage had taken something beautiful from this world. I knew I had to do something about it before there was nothing I could do. Before my body succumbed to injuries and I was unable.
I grabbed him by the throat. He tried to laugh, but my grip was fueled by desperation.
He tried to free himself but couldn’t. He began stabbing me over and over. I refused to release him. I carried him by his neck over to the kitchen counter and began bashing his head off the marble.
I was rewarded with spots of his blood. I knew at least I had made him bleed and that made me smile. His eyes grew wide as my grin grew maniacal. I smashed him repeatedly, crushing him against the sink, breaking the faucet, and causing water to spray into the air.
His eyelids fluttered as he lost his grip on the knife.
He was nearly gone. I would take him with me and that would be my parting gift to the world, removing something so evil.
Suddenly, my body wouldn’t obey commands. My grip loosened. I tried to tighten it, but I had lost all control. I looked down and I was standing in a pool of my own blood.
His eyes fluttered open and he coughed.
‘Nonononononono!’ I thought. ‘He can’t live. He can’t win. I had him.’
He stood as I sank to the floor.
“Looks like maybe you do understand, doc,” he said from what seemed like miles away. “Too bad you won’t be around to discuss it. We could have a session and evaluate how it makes you feel.”
His foot came down on my spine. I felt a crack. He started kicking me in the side repeatedly. Splashing water and blood on me as I felt my ribs crack.
I fought with everything I had.
My body didn’t even twitch.
‘Nooooo!,’ I screamed. ‘It can’t end like this.’
I heard a sizzling sound and then there was darkness.
***
I could feel movement.
Wasn’t I dead?
Was this what happened after?
It was still dark.
‘Hello?’ I tried to say.
Nothing. Just the sensation of movement.
Am I in a body bag? Am I on my way to the morgue or the grave? Please don’t let me be buried alive.
But I’m not alive, am I?
I don’t feel any pain. That’s a good thing, but not a good sign. The last thing I remember was lots of pain.
Suddenly there’s light and my movement stops.
I look up from the floor of a house I don’t recognize.
‘Where the hell am I?’
I’m on the floor next to a wall, looking up at an electrical outlet. Nothing around me seems familiar. I try to stand but it feels weird. It isn’t difficult, and there’s still no pain, it just carries an odd sensation with it. Like my body is just relearning things. Just like when I was a toddler. I teeter back and forth as I rise, but eventually, I’m upright.
My first few steps are tentative, but after that, I gain confidence with each stride.
Aside from the strange surroundings, there’s a sensation, like ants crawling all over me.
I pass a bathroom and glance inside. The reflection in the mirror draws me back. I slowly approach it, seeing something unique and terrifying.
It looks like someone drew an outline of a human form using a lightning bolt. The electricity shimmers and crackles as it races around the empty form of the being.
I wonder if it will hurt me.
Not sure if I want to test the limits of my newfound lack of pain, I hesitantly reach for this creature. It reaches for me at the same time. I’m mesmerized by this mutual curiosity.
My hand is about to touch the electric pulse shaped like its hand. I tremble with anticipation and fear as we touch.
Surprisingly, I don’t feel any pain. I don’t feel anything except a hard surface.
I move my hand back and forth. The creature does the same. I make quicker movements, and so does it.
Finally, out of frustration, I reach back and strike at the creature.
My hand strikes the hard surface and it splinters. There are now multiple creatures staring back at me.
I step back and come to the horrible realization.
I am the creature.
***
One month later…
“And police have been unable to find any credible leads in the string of brutal killings that began shortly after the patient escaped from the mental hospital last month,” the handsome anchorman stated from behind his desk. “They are asking people to call in if they know the whereabouts of Frederick Winston, now known as, ‘The Mangler’.”
“In other news, the Larsan Electric Company has issued a statement that the recent power surges are no cause for alarm. These surges seem to be random in people's homes and certain businesses. An LEC spokesman stated that there appears to be no pattern to the surges and that so far no one has reported them causing any harm. LEC is tracking down the problem and should have it under control soon.”
The anchorman shifted in his seat and turned to another camera.
“And on a lighter note, with Halloween months away, it seems that reports of ghosts are on the rise,” he said, wearing a half grin. “Several area residents have reported what they call a ghostlike figure, outlined in light, visiting them. Reports vary as to the duration and location of the visits, but they do seem to have a few things in common. The visits are usually short. In fact, most people say that if they blink the figure is gone. No one has reported the ghost doing any harm. And it seems like anyone within close proximity feels a tingling sensation and their hair standing on end.”
“Maybe I should be visited instead of my next hairdresser’s appointment,” the attractive woman anchor said with a laugh.
“Schedule me a visit too,” the male anchor said smiling. “And that’s our news for the evening, good night.”
Jimmy switched the channel.
“Gimme a break,” he said to the TV. “Ghosts? Who’s playing what? This’s some marketing scheme to sell Halloween crap. Like that stunt they pulled a few years back with the clowns hanging around the schools to promote that stupid movie.”
He switched off the TV and rolled over in his bed.
It wasn’t long before his breathing slowed. But before sleep could take him, he noticed a glow in the hallway. He didn’t remember leaving any lights on when he came to bed. Living alone had its advantages. If he heard someone in his apartment, he knew they weren’t supposed to be there. He slowly reached over to the bedstand and pulled out his Glock 9mm handgun, then held it close and listened.
He watched as the glow moved. It seemed like someone was looking around. But for what? He didn’t really have anything aside from his TV, phone, and video games. If anyone wanted those, they would be in a world of hurt. He had been lucky to get this apartment. If he was honest with himself, it cost more than he could afford, but when he had the chance he took it. It was too bad the opening came because the person who lived there before him was one of The Mangler’s victims. That’s probably why he was able to rent the place so quickly and get the price down to where he could almost afford it.
Maybe the glow was one of the street people who were stupid enough to see if there was an empty apartment to claim. That wasn’t gonna fly either. Jimmy had jumped on this apartment to get away from the dingy rat hole he used live in on the other side of town. And there was no way he’d let some bum come in here and take what was his.
The glow crept closer. He could feel the hairs on his arms raise. There was a sound too. It wasn’t loud, almost felt more than heard. A soft crackle, like electricity when it sparked.
The sensory input was almost too much for Jimmy to take. He pointed the gun in the direction of the glow and saw the barrel was shaking. His resolve, that he could deal with anyone as long as he had his gun, was beginning to fade.
The glow became so bright that it finally took form.
Jimmy’s eyes widened. It was the form of a person, just like the news had said.
It seemed to look around the room, then settle its gaze on the bed. Jimmy began to sweat as it approached and stared into his eyes.
It was the oddest thing, staring into what should be eyes, but nothing was there. The flashes of mini lightning bolts formed shapes that looked almost human, but it was just an outline, there was nothing inside what should be the body.
He shoved the shaking gun out from under the blanket and pointed it at the glowing figure.
The figure noted the presence of the gun, then continued to advance.
“S… stop,” Jimmy said. “I’m w… warning you.”
The figure ignored the warning.
Jimmy squeezed the trigger, setting off a deafening shot that went right through the face of the figure.
It acted as though nothing had happened, continuing to advance. The ringing in Jimmy’s ears made all sound seem muffled.
The figure stopped two inches from Jimmy’s face.
“Mangler… “ it said, sounding less like a voice and more like a transmission over an old staticky radio.
“I… I’m not the Mangler,” he said. “The person who used to live here was killed by him.”
It seemed to ponder this for a moment.
“Find Mangler… “ it said.
“I d… don’t know where to find him.”
It moved an inch closer. As the flashes of electricity arced, licked hungrily at Jimmy’s face.
“Find… him… “
“Ok, ok, I’ll find him,” Jimmy said, feeling the heat from the electricity.
The figure seemed to consider that for a moment then backed away. It moved toward the bedroom wall. Then, like someone had turned on a vacuum, it was sucked into an electrical outlet and disappeared.
Jimmy laid back in bed, breathing hard. His eyes darted left and right all around the room. But the only evidence of the figure that remained was the bullet hole in his bedroom wall.
***
The trips through the electrical conduits had become easier. There were still times when I came out someplace I didn’t intend to, but I was usually able to recover quickly and get to where I wanted to go.
But where did I want to go? At first, I wandered around, lost in this new form I found myself trapped inside. It was only after I had overheard a news report about the serial killer they called The Mangler that I gained my purpose.
Of course, Frederick was going to keep killing. Of course, they weren’t going to be able to catch him. He’d been inside away from his victims before and he didn’t like it. Not being able to torture and kill innocents was like a normal person not being able to breathe. Not that I know much about normal or breathing anymore.
I suppose on some level I should thank him. I thought about it for a long time and the only thing that makes any kind of sense is when we were fighting, somehow the water and blood I was laying in got splashed into the electrical socket. Instead of killing me, it bonded with me, making me able to become the electrical current. To ride it like a wave to wherever I wanted.
I became faster than any person ever was. And yet, I wasn’t a person anymore. I have no idea how I retained my consciousness, let alone my memory. But somehow…
I justify it by the old adage, ‘I think therefore I am.’
My life has become an endless hunt for the person who destroyed me, the person I must destroy. I don’t even know what I’ll do when I find him. But I will find him. I will stop him. This time, I won’t fail. I’ll end him like I should’ve before.
I owe it to the people he’s tortured and killed since my failure. Most of all, I owe it to my wife. I know she wouldn’t approve of my bloodlust. She would say there must be some other option. But if she would be able to see her dead body hanging naked from our living room wall, I think she just might change her mind.
My thoughts are interrupted as I arrive at my next destination, another victim’s house. I’m not sure what I’ll find that the police haven’t, but I have to try. Maybe I can pick up his scent somehow. A plan almost assuredly doomed to failure since I lost all sense of smell in the transformation.
I’m surprised though that I can still see and hear. I suppose waves of light and sound somehow intersect with my electrical body and it senses them. I don’t question it. I’ve learned to just go with it.
On the plus side, I don’t have to worry about eating, drinking, or using the bathroom. I guess there’s an upside to everything. Elizabeth would be so proud of me.
I arrive at the room where the victim was murdered. Looking around there’s still blood everywhere, along with evidence markers where they took pictures.
The sheer amount of blood tells me he took his time. He desecrated this girl in her own room. Her parents must’ve been out because there’s no way they didn’t hear the struggle. There were books on the floor, a chair overturned, and blood everywhere. The room was a disaster. It looked like she fought him. I wish she would’ve succeeded where I had failed.
But then, I wish I hadn’t failed, and this girl was still alive.
There’s nothing I can do now except find him and end him.
Finding him was proving more difficult than I thought. I had unlimited access to anywhere with electricity, but I couldn’t use a computer or a GPS. I was limited to transportation only through electricity. Granted that still made me the fastest being alive. I say being because I don’t think I qualify as human anymore. But I was limited to traveling to a place and then trying to find out where I was and if he was there.
If he knew I was searching for him all he would have to do is live the rest of his days in a cabin in the woods with no electricity. I’d never be able to reach him.
I believe two things worked in my favor with that theory.
First, I don’t think he’s that smart, and second, I don’t think he knows I’m looking for him. I believe that surviving our fight only further empowered him to kill. When someone feels invincible, they’re bound to make a mistake.
An officer walked into the room and I ducked back into an outlet. I was able to hang on where I was and watch from inside the outlet without being transported somewhere else.
The officer looked startled and stared at the empty air that I had just vacated. She looked like she was unsure if she trusted what her eyes had seen in the instant before I vanished.
She slowly stepped over to the corner and bent down to peer into the outlet. For a moment I wondered if she could see me, and what exactly she would see. But then her radio squawked calling her to another scene. When I heard the voice on the radio say the address and that they might have the killer cornered, I didn’t waste any time.
It was maybe fifteen seconds until I was across town at the address I’d heard. There was a lot of screaming and crying going on. I came out of the outlet and saw blood on the floor beside a body that wasn’t moving.
There was a girl being beaten by a man with his back to me. He turned to take another swing and I knew my search was over.
“My psychiatrist used to tell me I needed to work on my impulse control,” he said calmly as he slapped her. “I think I’m doing pretty good. I’ve been here ten whole minutes and you’re still alive.”
I shot across the room and knocked him to the floor. He jumped back up and looked around for what had hit him.
“What the hell?”
I saw the fear in his eyes when he saw me. I know Elizabeth would’ve been ashamed, of me, but I was enjoying his anxiety. After all he had done to me and so many others, I drank it in like an elixir.
He started edging toward the door. I was there in a heartbeat. His eyes darted back and forth between where I used to be and where I now stood. The panic in his eyes doubled.
I wanted to make him suffer, but I didn’t want to make the same mistake I’d made before and let him escape with his life.
I lashed out with a bolt that used to be my arm. The energy slashed through his shirt and fried a hole in his shoulder.
He screamed in pain and horror as he looked at the smoking hole in his skin. He tried to run but in an instant, I was there in front of him firing another bolt and searing the skin across his waist to his jeans.
His screams of pain and rage were only matched by the feral desperation in his eyes.
Not knowing what do to, he went with the familiar. Attack the innocent. He grabbed the girl who had been crawling away from the scene.
He grabbed her again and held her in front of him like a human shield.
What a waste of skin.
I fired a bolt into a ceiling light beside me which ricocheted and hit him full force in the leg, nearly severing it.
He went down like a ton of bricks, trying to hold on to his hostage, but she was fighting to get away from him. She broke free and he crumpled to the floor.
“What do you want?” he screamed at me.
With everything that is within me, I wanted to tell him who I was, what he had taken from me, and what I was about to take from him.
But I didn’t want to give the satisfaction. I wanted to give him only uncertainty and fear to cling to.
I could feel the seconds ticking away. I knew I had to make the most of this opportunity or he would get away again. And after this, I might never find him.
I unleashed every ounce of energy at him. I couldn’t even see him, he was only a smoking pillar of frying skin.
Just then, the police burst through the door.
“FREE… “ the first officer started then the shock of what he was seeing stole the rest of the word from his mouth.
He stood there, mouth agape when the female officer stepped in behind him. She looked at me and her wide eyes narrowed as she put two and two together and recognized me from the last crime scene.
I had no reason to fear. I didn’t know if I could even be harmed in my current state. But when you see that blue uniform burst through a door with a gun aimed at you, all rational thought takes a vacation.
I dove for the outlet and was gone. I didn’t even care where I was going. I knew I had done what I wanted to. The monster was destroyed.
Something felt different. Was it pride at finishing my crusade? Was it shame knowing Elizabeth wouldn’t have wanted me to do it?
I don’t know but there was something else. It was like there was added weight to my existence. I guess you can have a conscious in whatever you’d call this existence.
I appeared in the place that made the most sense, ironically. It was my old home. The one where everything I loved died, including me. It was where I took on this unintended new existence.
Is that why I felt this extra weight? Was it some cathartic aftereffect of my search for revenge that was finally over?
I looked around the charred debris of what used to be my home. In my mind's eye, I didn’t see the burned-out shell of what was left. I saw it as it was when we first moved in. When Elizabeth and I started decorating. When the interior was finally finished and I turned to her and said, “For now.” Knowing she would decide to change everything at some time in the future when she was bored, just like all women seem to do.
I remember getting a paintbrush across the mouth for that comment. I smiled remembering kissing her with my freshly painted mouth and ending up in the bedroom.
As I turned toward where I’d entered the house, my smile quickly faded. For some reason, I was still connected to the outlet. That had never happened before.
Another curiosity arose when I noticed the color of my electrical body was now tinged purple. It had always been blue before.
The tail of what had yet to come out of the outlet was red. As I pulled and it came the rest of the way out, it merged with me and turned purple.
“What the hell?” I heard someone say.
I whipped around but no one was there.
“Where am I?” the voice said.
“Who are you?” I said to the air.
There was a long silence.
“Doc?” the voice said.
As far as I knew it wasn’t possible for my spine to turn to ice, since I no longer had a spine, but the feeling seemed the same.
“Frederick?” I said.
“What happened?” he said. “This crazy electric thing attacked me and now… wait a minute. How am I talking to you? You died months ago.”
My shock gave way to utter despair. My enemy was now part of me.

https://imgur.com/a/V5vWQUu
Prices include shipping to the lower 48 states, payments via PayPal goods & services. If you need more photos or have any questions please let me know. Open to splitting the space marine/black Templar army if you’re looking for a few of the units separately not wanting to ship individual units.

Black Templar / space marine army $500 shipped.

Retail value is close to $1,100 before tax so asking half of retail. But open to offers.
Grimaldus
Helbrecht (not glued to base)
Chaplain on bike (not glued to base)
Primaris tech marine
Primaris apothecary
Judicar
Blade guard ancient
Primaris captain
3 blade guard
3 aggressors
2 Primaris chaplain (one from indomitus box)
3 eradicators
3 inceptors
8 assault marines
Captain in gravis armor
12 intercessors
5 reivers
Redemptor dread (arms not glued/move freely)
Primaris lieutenant
2 NIB primaris crusade squads (one sword brother built)
5 hellblasters
9th edition limited codex supplement
Data cards

Imperial knights

-Incomplete imperial knight, missing one piece from the main torso, the back piece with the vents. I purchased this second hand without knowing and that’s as far as I got with building it. Other pieces may be missing as well so being sold as incomplete. $65 shipped
-Legio Models sisters of battle upgrade kit for imperial knight $40 shipped
Willing to sell together for $95 shipped.

European warehouse
Here is the link (Banggood): 88V Cordless Electric Pruning Shears with 2 Batteries [EU]
Current price is $54.59. The lowest price in my database is $55.99.There're already 7 records in DB. Price monitoring since 8.6.2022!
If you're too late or you want e-mail PRICE ALERTS, then you can check current coupons for 88V Cordless Electric Pruning Shears with 2 Batteries here: https://couponsfromchina.com/88v-cordless-electric-pruning-shears-2-batteries-eu/
Best regards.
Only real deals and discounts.
https://couponsfromchina.com/
Image: https://i.imgur.com/Zx1mHqN.jpeg

This is the best tl;dr I could make, original reduced by 78%. (I'm a bot)

Minnesota officials are monitoring the cleanup of a 400,000 gallon leak of contaminated water from a nuclear power plant in the city of Monticello run by the energy giant Xcel Energy.
Officials attributed the leak to a water pipe running between two buildings at the plant site.
The amount of contaminated water that leaked out is enough to fill an Olympic-sized swimming pool about 60% full.
Tritium is a naturally occurring form of hydrogen that emits a weak form of radiation, which can't travel far in air or penetrate skin, according to the NRC. Tritium is also a byproduct of producing electricity in nuclear power plants, and the dose of tritium that comes from nuclear power plants is much lower than exposures from radiation present in the natural environment, according to the NRC. Xcel said the tritium levels in the leaked water were below NRC safety thresholds.
To contain the leak, the water is being diverted to a treatment system inside the plant, which prevents water from leaving the plant.
The Minnesota Pollution Control Agency said Xcel is considering building above ground storage tanks or installing a retention pond to store the water containing tritium that has been recovered, as well as considering treatment, reuse and disposal options.

Summary Source FAQ Feedback Top keywords: water^#1 leak^#2 Xcel^#3 plant^#4 tritium^#5
Post found in /worldnews, /environment, /news, /Denver, /minnesota and /inthenews.
NOTICE: This thread is for discussing the submission topic. Please do not discuss the concept of the autotldr bot here.

Money management tips to Help You Save and Invest Wisely (beautyaal.com)
Do you ever feel like your finances are out of control? You’re not alone. With the rise in living costs and stagnant wages, it’s no surprise that so many people have trouble managing their money. But don’t despair; there are plenty of ways to get your financial situation back on track. Here we’ll explore some useful money tips that can help you make smart decisions with your hard-earned cash.
Financial management is an important life skill, but it doesn’t have to be complicated or time consuming. In fact, with just a few simple strategies and tools, you can easily take control of your money without feeling overwhelmed. We’ll look at how you can create a budget, set savings goals, identify wasteful spending habits and more – all things that will help put you on the path towards greater financial security.
By following these money tips, you’ll learn how to manage your income responsibly and use it wisely to meet both short-term needs and long-term goals. Ready to start taking charge of your finances? Let’s dive in!

The Basics of Money Management

Money management is an essential component of financial success. According to a survey by Bankrate, only 41 percent of Americans have a budget and track their expenses regularly. This statistic emphasizes the importance of understanding how to manage money in order for individuals to reach their goals. The first step towards effective money management is developing a plan that works with your lifestyle and income level. Creating monthly budgets can be intimidating at first, but it sets you up for long-term financial success as you get into the habit of tracking your spending. As part of this process, evaluating what areas are consuming most of your finances can help identify which bills should be prioritized over others. Additionally, setting aside funds from each paycheck will ensure that you always have some savings on hand while also making sure all regular payments are made before anything else.
It’s important to remember that managing one’s finances means more than just looking at numbers; there needs to be balance between short-term wants and long-term needs in order to make sound decisions when it comes to money. Having realistic expectations about how much money you need and want, as well as being mindful of any unexpected costs or fees related to banking products or services, can help keep things running smoothly financially. With these tips in mind, anyone can create an actionable plan that puts them on the path towards financial freedom — no matter where they start out! From here we’ll look at how to create a budget that best fits individual needs and circumstances so they can begin reaping the rewards of better money management skills.

How To Create a Budget

Creating a budget is the foundation of good money management. It’s essential to understand your income and expenses, and having a budget will help you do just that. To get started, start by writing down all of your sources of income as well as fixed monthly expenses such as rent or mortgage payments. Next, add non-fixed costs like transportation, entertainment, groceries, and other miscellaneous items. Once you know where your money goes each month, it’ll be easier to make adjustments if necessary. Now that you have an idea of how much money is going in and out every month, create categories for saving and spending within reasonable limits based on what’s available after paying bills and setting aside savings. This way you can ensure that all of your needs are met while still being able to enjoy life without breaking the bank!
By creating a budget, tracking spending patterns becomes simple which allows more control over finances. Now that we’ve discussed how to create a budget let’s explore when it’s best to save versus spend.

When To Save And When to Spend

Do you ever find yourself unsure of when to save and when to spend? It’s a difficult line to walk, especially as the cost of living continues to rise. Making smart financial choices is essential for both short-term and long-term success, but it can be hard to know where to start.
When considering whether or not something is worth spending money on, ask yourself if it will benefit you in the future. Is this purchase going to help protect your finances down the road? Will it lead to further investments that will build wealth over time? If so, then saving up now could pay off later. On the other hand, some purchases are necessary right away even though they may be costly. From replacing an appliance with safety issues to having enough food on the table every night – these types of expenses often need immediate attention.
It’s also important to think about how much debt you’re taking on. Credit cards should always be used sparingly and paid off each month whenever possible; otherwise interest payments will quickly outweigh any rewards points earned from their use. Additionally, refinancing loan terms into those with lower interest rates can greatly reduce the amount of money spent in interest over time.
Making conscious decisions about what we save and what we spend is key for developing a secure financial footing regardless of our current situation. Managing debt wisely requires us to stay aware of our purchasing habits while actively seeking out ways to reduce costs wherever possible — all without neglecting basic needs or sacrificing potential opportunities for growth ahead.

Managing Debt Wisely

Debt is a reality we all face at some point in our lives. Whether it’s student loans, credit card debt or something else entirely, managing debt wisely can be the difference between financial stability and an endless cycle of fees and interest payments. It’s important to understand that when it comes to debt, different decisions have different consequences. For example, I once knew a friend who was overwhelmed by her credit card bills with multiple cards maxed out. She decided to take on more debt and consolidate those cards into one loan with lower monthly payments – but she ended up paying much more money in interest over time!
This highlights the importance of making smart choices about debts. Before taking any action, make sure you understand how much your total payment will be each month as well as how long it will take to pay off the balance completely. Also consider seeking professional advice from someone experienced in personal finance if needed – they may be able to offer helpful strategies for reducing your overall debt load while minimizing extra costs associated with repayment plans or consolidation.
With careful planning and budgeting, staying on top of your debts doesn’t have to mean sacrificing other goals like saving for retirement or having fun experiences with friends and family. To find success in this area requires discipline and dedication – but establishing good habits now will help ensure financial security later down the road. Now that we’ve discussed managing debt wisely, let’s move onto exploring ways to save money…

Money Saving Strategies

Making the most of your money doesn’t have to be a daunting task. With a few simple strategies, you can get started on the path to financial success while avoiding debt and saving for future goals. One approach is to create a budget that’s tailored to meet your needs. Start by calculating all monthly expenses and dividing them into categories such as housing, food, entertainment, transportation, healthcare, and other items. Once you have an overall picture of how much money goes out each month, it will be easier to prioritize spending and identify areas in which you could save money.
Another way to improve your finances is by cutting down unnecessary costs whenever possible. Take time to review recurring bills like phone plans or subscriptions that may no longer be necessary or more expensive than alternatives available on the market today. You might also look at ways to reduce energy consumption – something as small as unplugging devices when not in use can help lower electric bills over time!
There are plenty of creative solutions if implemented correctly can aid in managing funds properly – from carpooling with neighbors or colleagues instead of driving alone, packing lunch instead of eating out at work every day or shopping around for cheaper yet quality products online.
Finding clever methods to stretch income while still enjoying life isn’t always easy but it pays off big in the long run. Making smart choices now will put you well on your way towards achieving greater savings later on – whether it’s for retirement, buying a house or going on vacation. As an added bonus, taking steps toward reducing debt means more chances for investing wisely too!

How To Invest Your Money

Investing your money is a great way to build wealth. It can be intimidating for those who have never done it before, as there are many different options and strategies available. But with the right guidance, you’ll soon discover that investing doesn’t need to be complicated or overwhelming. The key lies in understanding what investments suit your needs best – whether that’s stocks and shares, bonds, mutual funds or other types of investment vehicles. To make sure you’re getting the most out of your money, consider working with an experienced financial advisor who can help guide you through the process step-by-step.
Taking charge of where your money is invested will give you peace of mind knowing that you have taken control over your future wealth. And while investing comes with certain risks associated with it, taking calculated risks now could lead to greater rewards later on down the line. With this knowledge at hand, transitioning into strategies for building your wealth becomes much easier and more accessible than ever before.

Strategies For Building Your Wealth

Building wealth is an important goal for many people, but it can be difficult to know where to begin. Luckily, there are strategies and tips you can use to help grow your savings. With careful planning and a little time, anyone can become better at managing their money and building their wealth.
One popular strategy is investing in stocks or mutual funds. Investing allows individuals to take advantage of compound interest over the long term – meaning that even small contributions can add up significantly over time. Another option is diversifying investments by spreading out risk into different asset classes such as debt instruments like bonds, real estate properties, commodities or other lucrative opportunities.
Another valuable avenue for growing your wealth is budgeting wisely. Developing a budget plan helps track expenses so that more money can go towards financial goals instead of unnecessary purchases. This may also include reducing spending on luxury items and setting aside automatic deposits each month into savings accounts so that money builds without having to think about it too much.
In addition to these ideas, researching tax breaks or deductions from employers could be beneficial when trying to build wealth with limited resources. In some cases, making smart decisions around taxes may save hundreds or thousands of dollars annually – allowing those extra funds to put towards retirement plans or investment opportunities down the line. As we move onto discussing tax planning tips next, remember that utilizing all available options will ensure maximum return on personal finances while adding security across multiple assets along the way!

Tax Planning Tips

Tax planning is an essential part of wealth building. Knowing how to maximize deductions and credits on your taxes can save you hundreds or even thousands of dollars each year. It’s important to take the time to understand the various tax rules, exemptions, and regulations that apply in your situation so you can make savvy decisions when filing.
If you’re self-employed, it’s especially crucial to stay up to date with changing laws since they could have a big impact on what you owe at tax time. Start by researching business expenses that are eligible for deductions – such as travel costs related to work – and look into any special incentives that may be available in your state. Additionally, if you plan ahead and pay estimated taxes throughout the year instead of waiting until the due date rolls around, you might avoid underpayment penalties.
When it comes to retirement savings, consider setting aside pre-tax funds through methods like individual retirement accounts (IRAs). You’ll lower your taxable income now while also taking steps towards financial security later down the road. Tax planning isn’t always easy but understanding these strategies will give you a leg up in achieving long term success with your finances. And from there, we move onto retirement planning advice…

Retirement Planning Advice

Retirement planning is a crucial step in financial security, one that should be taken seriously. After all, the earlier we start to plan for retirement, the easier and more successful our journey will be. Allusion can be made here to an old adage: ‘A stitch in time saves nine.’ To take this metaphor further – just like a garment needs timely mending or it could fall apart, so too does proper retirement planning ensure you have enough money when your working days are over.
When looking at retirement plans and advice there are several considerations to keep in mind. Firstly, look into what type of savings accounts are available and which ones offer tax advantages. Consider any employer-sponsored plans offered by your workplace as well as other options such as IRAs (Individual Retirement Accounts). Secondly, explore different investment opportunities tailored towards long-term goals and make sure they align with your risk tolerance level. Finally, review budgeting strategies to help plan ahead on how much money you need to save each month.
Having laid out these steps, it’s important to remember that professional guidance from qualified advisors may also prove invaluable when navigating the complexities of retirement planning. With their expertise and experience they can provide valuable insight into the best ways to prepare financially for life after work – setting yourself up for success when you finally do retire! Taking all this into account leads us naturally onto considering insurance considerations…

Insurance Considerations

Time is of the essence when it comes to retirement planning. Unfortunately, many people forget about something equally important: insurance considerations. With a chillingly persuasive tone, let’s explore why this is essential for your financial success now and in the future.
One key factor is that insurance provides protection from risk – like health issues or accidents – which can cause serious financial hardship without the right coverage. It not only helps you stay afloat if disaster strikes, but also ensures peace of mind so you can focus on achieving other goals instead of worrying about what would happen if… That’s an invaluable feeling!
Another critical point is that having enough insurance may even help you reach those long-term objectives faster by providing funds in case of emergency or allowing you to invest more money than expected into building wealth. In short, being adequately insured gives you greater control over how and when your hard-earned cash goes to work for you.
So, while retirement planning should certainly be at the top of your list, don’t overlook insurance considerations as well; they could make all the difference between reaching your dreams or merely dreaming them. Let’s take a look at what else we need consider with unexpected windfalls…

What To Do With Unexpected Windfalls

Unexpected windfalls can be a welcome surprise, but they also present an opportunity to make smart decisions. One of the first steps is to think about what you want to do with it: will you put some away for a rainy day or pay off debt? It’s important to be mindful of how spending this money might affect your overall financial health and goals. If you’re looking for something more long-term, investing in mutual funds or stocks could potentially help grow your wealth over time.
No matter how much money you receive, make sure that whatever decision you make aligns with your long-term financial objectives. Consider talking to a financial advisor who can provide tailored advice specific to your needs — they may even suggest strategies that are outside the box. Taking into account all of these elements will ensure that any unexpected windfall won’t slip through your fingertips—it’ll become part of a larger plan towards achieving financial success. Ready to take your finances one step further? Making the most of credit cards could be the next move…

Making The Most Of Credit Cards

Using credit cards is an effective way to manage your finances and reap the rewards that come with it. Many people find themselves overwhelmed by the sheer number of options available when choosing a credit card, making it difficult to know which one would be best for you. Fortunately, there are some key factors to consider before selecting one. It’s important to look at interest rates, fees associated with the card, any reward programs offered, as well as any other benefits such as travel insurance or cash back. By researching these features thoroughly and understanding what type of spending habits you have, you can find a credit card that will fit your needs perfectly.
Additionally, being mindful of how much money you’re spending on your credit card is essential in order to avoid racking up unnecessary debt. Setting limits for yourself and utilizing budgeting tools like setting aside small amounts from each paycheck towards paying off the balance can help keep your finances under control and make sure everything stays within your means. This will also allow you to take advantage of all the great deals that come along with using credit cards without going overboard or getting into financial trouble.
Being financially savvy doesn’t have to mean sacrificing things you love; it just means being more aware and thoughtful about how you spend your money. With this knowledge in hand, shoppers can feel confident they’ve made smart decisions while still having access to valuable perks through their chosen credit cards. Now let’s move onto tips for shopping smarter!

Tips For Shopping Smarter

It’s easy to get swept away by the world of shopping, but it’s important to be smart about how you spend your money. Learning tips for shopping smarter can help you stay on track with your finances and make sure that every purchase counts.
The first step is understanding what kind of deals are available. Knowing when and where to shop can save you big bucks in the long run if you take advantage of discounts and promotions. It also pays off to do research before buying something so that you know which stores have better prices or offer more value than their competitors.
When making a purchase, think twice! Weigh out all your options before deciding whether it’s worth investing in an item or not. This can mean checking reviews online, comparing products side-by-side, or even asking friends for advice – anything that helps you decide if this particular item is really worth it or not.

How To Save Money From Salary

Making informed decisions while shopping isn’t always easy but having a financial plan in place makes it easier to stick to budgeting goals. Budgeting apps are great tools to keep track of spending habits over time and identify areas where they need improvement. By setting limits ahead of time, shoppers will be less likely to impulse buy items they don’t need and end up regretting later on down the line.
Being mindful of purchases doesn’t just apply when hitting the store – it applies online too! Shopping online requires extra vigilance since there are often hidden fees associated with certain transactions or other tricks retailers pull off to increase their profits at our expense. Staying alert during checkout can go a long way towards protecting our wallets from unwanted surprises afterwards. Nowadays, we must learn how to guard our financial information as carefully as we would guard any other valuable asset; otherwise, we risk losing control over our hard-earned cash without even realizing it until it’s too late.

Protecting Your Financial Information

In this day and age, protecting your financial information is essential to maintaining a secure future. With the prevalence of cybercrime and identity theft, it’s our duty as responsible citizens to take any measures we can in order to safeguard our finances. Thankfully, there are now several tools available that make doing so much easier than before: it’s almost like having an invisible shield around us at all times.
One way to protect your personal data is by using strong passwords for online banking accounts and other sensitive sites. A great password should be a combination of letters, numbers, and symbols that’s hard enough for hackers to crack – but easy enough for you to remember! Additionally, consider activating two-factor authentication whenever possible – this means logging into a website requires both something you know (your username and password) and something you have (like your phone).
Moreover, be mindful of phishing scams where fraudsters attempt to trick victims into giving away confidential information through fake emails or links. These malicious messages often look very realistic on the surface level – however, if you pay close attention to details such as grammar mistakes or unusual requests from “trusted sources” then you should be able to spot them quickly.
By following these simple steps, you can rest assured that your financial records will remain safe and sound. And with peace of mind comes confidence – which will serve as a powerful asset when choosing the right financial advisor for your unique needs.

How To Choose a Financial Advisor

Choosing the right financial advisor can be daunting, yet it is essential to ensure that you make sound investments. To pick an ideal professional for your needs, there are a few key things to consider.
Firstly, evaluate the credentials of potential advisors; look for certification and experience in their field.
Additionally, ask about any education or training they have undertaken recently so you know their knowledge is up to date. It’s also important to gain insight into how they approach investment decisions and strategies – after all, this person will be helping shape your financial future!
Then comes fees: what do they charge? Will fees vary depending on certain services? Are there any other hidden costs? Knowing these details ahead of time makes sure you’re not surprised by unexpected expenses later down the line. As well as this, check whether they offer advice beyond investing too, like tax planning or estate planning. These may come at an extra cost but could help set yourself up financially for the long term.
Finally, conduct some research online regarding customer reviews and testimonials from previous clients – this should give you an idea of how reliable and trustworthy the individual is before committing to them. All these steps together will guarantee you find somebody who meets your criteria when choosing a financial advisor that best fits your needs.

Conclusion

Tax planning is a crucial part of financial success. It can help you save money and make sure you’re taking advantage of all the deductions and credits available to you. With careful tax planning, you can reduce your taxable income and keep more of what’s rightfully yours in your pocket.
According to statistics from 2019, about 70% of Americans took advantage of some form of deduction when filing their taxes that year. This highlights how important it is to be aware of the different deductions available so that we can ensure our hard-earned money stays in our pockets instead of going to Uncle Sam every April. Planning ahead for your taxes will give us peace of mind knowing that we won’t have any unpleasant surprises come tax season!
Money management tips to Help You Save and Invest Wisely (beautyaal.com)

Bit of context: me 30something y/o moved to a new city for work. Introverted, independent but very nice and can get along with almost anyone in my day to day life. Work a decent office job. I work longish hours and go out super early in the morning. Found this cool room, great area downtown, large room, my own bathroom, place is a little old, but I can live with that. There was one catch. The roommate is old, like 55ish to 60 years old. When I told my friends about this they all said it could be very weird. I didn’t care, I loved the room and had met the guy, he seemed normal enough so I was willing to give it the benefit of the doubt.
Roomie: 55-60 y/o, private driver, divorced (no wonder) that hit a bad streak healthwise and has been recovering from major surgery for the last 3 months so he's been off work and stuck at home. Very brutish and lacking manners, quick to raise his voice. I didn’t think he is a bad person per se, just a little limited and stuck in a bad situation. Fluctuates between passive aggressive and plain aggressive. I didn’t know of the surgery until like 10 days before moving in.
When I moved in I tried to have a good relationship, tried to talk to him about his recovery and well just kept trying to help and offer my help.
But little by little he began making me feel more and more uncomfortable. (I am going to be skipping event, I swear there’s more) A little background: we used to be on a weird electricity plan. Energy was more expensive during peak hours of the day and cheaper during the night and weekends.
First red flag was that we could only use the washing machine, or oven for that matter, on weekends because energy was cheaper then, it is super inconvenient but in order to have a good relationship I accepted his terms, little did I know that was only the beginning.
Washing my clothes started to become a source of stress, in addition to only being able wash clothes on the weekends, if he was around and he saw me throwing a load, and the washing machine wasn't completely full he started telling me he had clothes he could throw in, in order to save money. I did agree on 3 occasions just out of not wanting to create conflict (more like out of wimpiness, I accept) but washing my clothes with those of a stranger really made me feel uncomfortable, so I started quickly doing laundry when I heard him going out for a walk, or in the shower. That didn't stop him form coming around and complaining about the prices of electricity and how we could save money by washing our clothes less often, or waiting until we had full loads or washing them together. I just said yeah sure.
But it didn't stop there. Every time I came home and was doing something in the kitchen or common areas he came to say hello, which is fine he needed social contact, but I quickly noticed he is very nosy, asking me where was I and for how long, or whenever I bought something, like clothes, or food for example he'd try to peek in my bag and if I pretended I didn't notice and didn't volunteer the information myself he would straight up asked what I got, from where, and how much was it, every single time.
But it wasn't only that, he kept nagging me about the cost of the electricity almost every time he saw me. He once told me I should not open the hot water tap unless I actually wanted hot water because he could hear me sometimes opening the faucet and quickly closing it and "that consumes a lot of electricity". Another day I was working from home, and winter here tends to be a little dark and my desk is in a dark corner of my room, so in order to read some notes I turned on the light. He later told me how I missed such a sunny day, then I told him it was really nice, and he told me yeah the sun was shinning and you must have missed it because I saw under the door your light was on, then proceeded to explain how even if lights consume just a little energy they still consume some and how I need to be more careful with it.
I didn’t (and still don’t) wanted any conflict so I just agreed with him peacefully. Of course, this made me feel watched, and very, very uncomfortable. So I started keeping contact at a minimum, of course when I came home and he was out I’d stop and say hello, but I wouldn’t stay more than 5 mins in general. One exception was one day that I asked him about the rates and why was it that expensive, and told him that I had been getting ads in Instagram for very competitive prices and that our same company advertises way lower rates on their website. This made him call the company and get a lower rate that’s the same 24 hours. So now we can do laundry during the weekdays, YAY!
I thought that was going to be the end of it but of course it wasn’t he kept complaining about the cost, and when the bill actually came and it wasn’t that high, he started complaining that “XXX watts is still a lot of power”, trying to see if I took the hint, as I always I played dumb and agreed with him, when he kept repeating it I said yeah must have been the heating and left the room in order to avoid him telling me it was on me the person that often spends more than 12 hours out of home (and of course not on him that didn’t leave the house for like 3 months).
All in all, it was an annoying situation. In order to avoid his nagging and nosiness, and just general unpleasant conversation, instead of eating at home I have been going out and getting takeaway (this is important, it means I haven’t really used the kitchen in weeks) and generally don’t go out of my room when I hear he is in the common areas. I still say hello and chat for a few mins every time I run into him. I thought I could just wait it out until he went back to work and then with him a little busier and out of home more often it would all improve. That was until yesterday.
So yesterday he knocked on my door and calls me into the kitchen to talk about cleanliness, to which I agree, I haven’t been cleaning the kitchen (I also haven’t been using it but I didn’t say it in order to avoid more conflict), I will keep it in mind and clean more often. I tell him I am glad he brought it up, I will keep it clean and I ask him about to how to divide chores. Well, that wasn’t enough he wanted to escalate the situation he started telling me how he was sick of finding food in the counter and that I was a slob and that if the kitchen is clean it is because of him. Him calling me a slob was where I drew the line. I told him that was enough and that he had expressed his point of view and I had agreed and proposed actions and that he didn’t need to resort to name calling. He kept saying I was such a mess and a slob. That’s when I told him that I hadn’t touched the kitchen in weeks, so he is the only one dirtying the kitchen so he is cleaning his own mess and if he didn’t like it, he could be more clean himself. Also, that I didn’t know his standards of cleanliness were so high because the kitchen was always dirty and pointed out to the kitchen table that always has been full of crumbs and he’s the only one eating bread so he can’t even blame that on me. I left him there and went out of the house to meet some friends.
So that where we are right now, I have been avoiding him ever since. I am of course tired of being uncomfortable at my own house and looking for a place to move out to, hopefully I can find a good place sooner rather than later.
Here are my questions. How do you handle these kinds of people? Being nice doesn’t work, being polite doesn’t work either, I feel that it even emboldens them and they feel like it’s permission to be more of an asshole and more imposing. Is there a way to stop these situations from escalating this far? Is there a name for that kind of personalities?

Happy Tuesday, Barkada --

The PSE lost 19 points to 6451 ▼0.3%

Thanks to everyone for the feedback on yesterday's "very special episode" about PH bank risk. I know that these kinds of specials are not always as popular as the regular content, but I feel like they're important to talk about.
Thanks you to John for pointing people toward the Very Special Episode, to Terence for spotting the errors in the analysis of the comparison between FDIC and PDIC (more on that in CORRECTIONS), to King Emmanuel Cantillo for spotting that the US Fed decision will happen early in the morning on Thursday, and to Raymund and diggory2003 for reminding me that I completely forgot to do an ALTER IPO Allocation Survey!
Click this link to tell me how many shares of ALTER you requested, how many you got, and drop your email address at the end to enter the P500 Grab Food gift card give-away that I'll draw on the morning of the ALTER IPO.
Shout-outs to JET, avenmicjohn, Pao, MiUMaO, Market Babbler, Aretha Miley_fx, CHARToons, meloi, Jay Agonoy, arkitrader, Lance Nazal, Rolex Jodieres, Evolves Capital, Inc., Xavier, Kuya Carl, creeptocrypt, Dan Villegas, Dividend Pinoy PGG, Chip Sillesa, and Jing for the retweets, and to Genesis Umali, Evolves.co, and Mike Ting for the FB shares!

▌In today's MB:

• Max's Group FY22 net income up 38%
• Moody's thinks PH inflation "uncomfortably strong"
• Upson added 1k shares to IPO to meet float minimum
• EastWest FY22 net income up 42% (excluding one-offs)

▌Daily meme Subscribe (it's free) Today's email

▌Main stories covered:

• [FY22] Max’s Group FY22 “organic net income” up 38%... Max’s Group [MAXS 4.90 ▲1.2%] [link] teased that its FY22 “organic net income” of ₱622 million, up 38% from its “statutory” net income of ₱451 million in FY21. MAXS said that this level of profitability is higher than its pre-pandemic heights, and out performs its pre-pandemic levels by 63%. System-wide sales were up 41% to ₱17.6 billion, while “local” same store sales grew 43% and “global” same store sales grew 36%. MAXS reported a stable profit margin, despite “market volatility and rising commodity prices” thanks to counter-measures like a strengthened internal supply chain and its new “consolidated” commissary.
  
  • MB: The press release comes off a little thesaurus-y, but that’s probably just the pride in the results seeping through. “Organic” net income is net income from the company’s existing business (excluding businesses that were acquired during the period), almost like a “same store sales” but for overall net income across all income streams. “Statutory” net income is just (as far as I know) a weird way of distinguishing MAXS’s subset of organic net income from its regular (statutory) net income. It’s interesting to see that MAXS exhibited the same disproportionate growth as Jollibee [JFC 222.00 ▼0.5%] did coming from the Philippine region as compared to the rest of its global operations. I am curious to see how MAXS’s recovery as a “casual restaurant” might differ from JFC’s as a “quick service restaurant”. I’m definitely interested to get a closer look at the full financials when they're released.
• [UPDATE] Moody's thinks PH inflation is “uncomfortably strong”... Moody’s Analytics (MA) [link] said that Philippine inflation is “uncomfortably strong and has likely not peaked”, despite noting that inflation “eased” to 8.6% in February. MA said that it seems likely that the BSP would raise rates by 25 basis points on Thursday. Romeo Bernardo, an economist with US-based analytics company, GlobalSource Partners, said that he sees overall 2023 inflation reaching 6.5% (as compared to 5.8% in 2022), driven by the “political dimensions” of the food shortages that have caused prices for basic necessities to rise, and that the projected electricity shortages would likely push power rates up through the hottest months of the year. Mr. Bernardo also projected that the BSP would raise rates by 25 basis points, but “but cannot rule out another 50bp hike.”
  
  • MB: The BSP’s take is that inflation has already peaked, and that it will either raise by 25bp or pause rate hikes at the meeting this Thursday, while the US-based analysts think that inflation has yet to peak, and that the BSP is likely to announce a 25bp hike with an outside chance at a 50bp hike. About the only thing that both the BSP and these analysts agree on is that a 25bp hike is the most likely thing. That said, their disagreements are not all that material. Both the BSP and analysts put the onus on the government to demonstrate the wisdom needed to realize that a large portion of the problem is actually within its scope of control, and to generate the courage to execute on making improvements on the food shortages that have plagued the markets for months.
• [CORRECTIONS] That's my bad...
  
  • (1) Yesterday I incorrectly said that the PDIC provides $500k/bank of coverage to Americans. The real amount is $250k. This means that FDIC covers approximately 50% of the average non-rural home price, and that it would take two accounts to fully protect that amount.
  • (2) Yesterday I incorrectly referred to FDIC when I meant to say PDIC, with reference to what the PDIC offers to Filipinos.
  • (3) The MB Market Calendar incorrectly said that the US Federal Reserve decision would be known on March 21, when it actually will come down in the early morning of March 23. As the only writeeditor of MB, I appreciate it when readers spot these errors to allow me to correct them!
• [NOTES] Quick takes from around the market...
  
  • **Upson [UPSON 2.40 pre-IPO] had to add 1,000 shares to its IPO to reach the PSE’s minimum public float requirement of 20%. The amended deal size of 625 million shares represented just 19.99% of the company, post-IPO. The extra thousand pushed it up into compliance.
    • MB Quick Take: Many thanks to the UPSON IR team for that quick response. I knew there had to be some good reason for adding just ₱2,400 worth of stock to a ₱1.65 billion deal. Mystery solved!
  • **EastWest [EW 7.20 ▲2.0%] [link] teased FY22 net income growth of 42% to ₱4.6 billion (excluding one-off items in FY21). EW said that revenues were up 12% due to its “improved earning capacity” thanks to its 20% growth in its loans book. EW said that its earnings were helped by “higher yielding consumer lending”, like credit cards, business loans, and salary loans.
    • MB Quick Take: *The growth in consuming lending was part of my “middle class explosion” thesis in the pre-pandemic times, and while it’s been somewhat miraculous to see this growth trend continuing despite the punch in the face everyone took with the disastrous COVID lockdowns, the growing concern for the amount of consumer debt being put toward just “making ends meet” in a high-inflation environment makes me nervous. I feel like I’ve been waiting for the one-two punch of COVID and high-interest rates to show up in negative consumer lending metrics, but those two factors have just done to banks (and smaller banks like EW) what I thought they would. *

MB is written and distributed every trading day. The newsletter is 100% free and I never upsell you to some "iNnEr cIrClE" of paid-membership perks. Everyone gets the same! Join the barkada by signing up for the newsletter, or follow me on Twitter. You can also read my daily Morning Halo-halo content on Philstar.com in the Stock Commentary section, and in the Saturday edition of the Daily Manila Shimbun.

Subscribe here

Read today's full newsletter here

Anyone have any tips on how I can reduce utility bills or if there are any unnecessary bills which I can remove? For reference:

• Walmart+ is a service that I regularly utilize. I believe I save more money in time than what I spend with the $12.95 / month subscription.
• Amazon Prime is a service that I used to regularly utilize but now I mostly use Walmart+. The reason I haven't cancelled it is because I have a discount which I would not be able to renew in the future (about a -50.56% reduction in price) and since I do still sometimes order on the website - just not as frequent. I tried to freeze the monthly payments but was unable to on this account.
• With the phone bill I owe around $390 on a phone which would be fully paid in 12 months. I was considering purchasing used but I was in a rush as I was about travel and I wasn't confident that the used phone would arrive before my flight. I was thinking one thing I can do is buy off the phone with an interest free credit card that I have. Then pay that in 8 monthly installations of $48 and switch to a cheaper service and pay around $30 a month for the phone service. This puts me at $78 which becomes reduced to $30 after 8 months.
• I received a quote for car insurance and can get it to around $25-30 after my current insurance period ends
• I've canceled Spotify, Humble Bundle, and Planet Fitness for a total savings of 442.96 / year. I set up a home gym so having a membership wasn't necessary and I had stopped going to it.
• My short-term financial goals are to get spending to the absolute minimum while also utilizing services that save me in time (so long as those services are reliable and aren't impeding on my financial growth).
• My long-term financial goals are to increase my current business revenue and opening up a second business.

​

Category	Amount
Food & Groceries	350.00
Home Improvement Loan	176.10
Gas	350.31
Water	69.05
Electricity	88.46
Sewage	43.89
Garbage Collection	21.80
Walmart+	12.95
Driver's License / Inspection / Registration	8.88
Amazon Prime	7.41
Business Advertisements	25.00
Phone Bill (2 Lines)	110.66
Business Dedicated Server	85.56
Auto Insurance	63.50
Mortage	676.32
Total	2,089.89

So I'm swapping out the gauge cluster on my '82 gsx400. I'm putting in a more modern gauge and the speedo has a mechanical input but the tach is electrically wired in. Which my bike used a cable for both speedo and tach. I'm wondering if it is possible to convert from mechanical input to electric.

Stephen Edelstein - Green Car Reports

According to a New MIT Study: Could is the New Black

Thorough planning of EV charging station placement, specifically with a greater emphasis on workplace charging, could cut the need for more power plants, according to a new MIT study.
Published in the journal Cell Reports Physical Science, the study uses data from New York City and Dallas to counter the narrative that an influx of electric cars will create massively higher electricity demand and necessitate more power plants. Researchers argue that smarter planning will both cut the need for additional power plants and utilize excess solar capacity.
Instead of assuming that most EV drivers will charge their cars at home in the early evening, after getting home from work, researchers call for additional workplace charging. This will take advantage of abundant solar generating capacity at mid-day instead of trying to tap into the grid in the early evening, when demand and peak loads tend to be higher.
Home charging still has a place in this strategy, as long as drivers delay charging until later at night. As utilities and previous studies have emphasized, this pushes EV charging into periods of lower demand, utilizing excess grid capacity and potentially rewarding drivers with lower electricity rates.
“Combining delayed home charging and workplace charging can be a particularly successful strategy,” researchers said in a statement, adding that decisions about charger locations should emphasize these two scenarios.
That conclusion aligns closely with what an Energy Department study pointed out years ago: That focusing charging around homes and workplaces could be more important than just placing chargers everywhere. And California heat waves in 2021 and 2022 helped underscore what best helps avoid the use of “peaker” sources—and prevent brownouts.
However, part of implementing such a strategy will be changing employers’ attitude toward onsite charging. General Motors has committed to a high number of EV chargers for its employees, but other companies need to see workplace EV charging as more than a perk for its workers, a 2019 report found.
➖➖➖
It's such great technology, lets force everybody to use it, make anybody who want's it rich with subsidies then pass on the cost to those deniers who don't want high priced electricity along with EVs that don't do the job. What a lying mess this all is.
• Raymond Fleischman
In other news, businesses expected to raise prices on many goods and services to help pay for charging employees (and others) cars.
• Mark McDougall

"Every renewable energy pretty much needs copper, because if you’re talking about electrifying something and transmitting electricity, you need copper.” ⬇️⬇️ https://www.cnbc.com/2023/02/13/analysts-see-short-term-strength-long-term-generational-shift-in-copper-prices.html
Libero Copper & Gold (LBC.v LBCMF) controls projects in Canada, Argentina, and Columbia. Fieldwork conducted at LBC's Mocoa Project (Columbia) recently identified new occurrences of leached cap in outcrop which is consistent with the leached cap directly over the Mocoa deposit.
These newly IDed occurrences extend over 300 meters away from previous drill locations with one occurrence extending more than 1,000 meters away. This suggests that the current known copper resource at the project could be expanded.
Full Press Release here: https://www.newswire.ca/news-releases/libero-copper-continues-to-expand-the-potential-of-the-mocoa-porphyry-copper-molybdenum-project-853021758.html

"Every renewable energy pretty much needs copper, because if you’re talking about electrifying something and transmitting electricity, you need copper.” ⬇️⬇️ https://www.cnbc.com/2023/02/13/analysts-see-short-term-strength-long-term-generational-shift-in-copper-prices.html
Libero Copper & Gold (LBC.v LBCMF) controls projects in Canada, Argentina, and Columbia. Fieldwork conducted at LBC's Mocoa Project (Columbia) recently identified new occurrences of leached cap in outcrop which is consistent with the leached cap directly over the Mocoa deposit.
These newly IDed occurrences extend over 300 meters away from previous drill locations with one occurrence extending more than 1,000 meters away. This suggests that the current known copper resource at the project could be expanded.
Full Press Release here: https://www.newswire.ca/news-releases/libero-copper-continues-to-expand-the-potential-of-the-mocoa-porphyry-copper-molybdenum-project-853021758.html

Hey!
My bf and I are just moving into a new apartment and choosing an electricity provider, it matters to us that the price is good and would also prefer to have green energy without breaking the bank. Is there anyone using Ostrom who could maybe let me know about your experience? or maybe recommend any other providers?
Good to note that we do not speak german yet.
Also what type of contract is generally better? 12 months or more? fixed-rate or not?
would appreciate any info or help as this is all new and confusing..
Thanks :)