#net 15 payment terms

[lady-raziel]

How Project 2025 could radically reshape higher ed (insidehighered.com)

I know you've heard a lot of things about Project 2025 at this point and most of them are scary, but I think it's things like this that indicate that even the stuff in that plan that seems boring is very scary too. Here's a bit of an analysis on some of the plans regarding higher education.

Basically, they want to make it much, much harder to get student loans, and to make the loans you can get much harder to pay off. For so many people, the only way they'll ever be able to get a higher education is with the help of federal student loans. Without that assistance, and for degrees that don't guarantee a high-paying career quickly (such as art, history, literature-- so many subjects, most of them "soft-sciences") because having a high-income would be necessary to keep up with payments (as income-driven repayment plans will be eliminated)...a lot of people will not go to college. Particularly people from disadvantaged backgrounds.

So it would be that most high-school grads can't afford school, and the ones that take on loans have to prioritize careers that by nature aren't the ones taking on learning from history, culture, or political thought because it's hard to make money and advance quickly career-wise with those. It would gatekeep the "soft-science" subjects that tend to spur criticisms of society, history, and power to those who could afford to pay full-price-- who are also likely to be privileged and in the ruling class and thus the least likely to criticize the existing culture. And by gatekeeping that knowledge and its credentials, they could discredit anyone who hasn't studied the subject by saying that they are uninformed or uneducated and thus shouldn't be taken seriously. They would be in full control of the research being done and the types of papers being written. The end result is crippling the ability to even have academic discourse or research to refute their other policy goals.

Furthermore, the elimination of many repayment plans that already exist serves to punish the people who have already gotten degrees-- if you don't already have a stable job, trying to keep up with higher payments while your taxes go up (increasing tax rate for people making under $168k to 15% of income and eliminating pretty much every deduction, credit, and exclusion) and still affording the necessities (made much harder when Medicaid, SNAP, other social safety nets are cut) will be very challenging. And if you DO have a stable job and are educated on subjects that allow you to criticize the movement-- they can attack you and discredit you and make you lose that job if you publicly disagree. The way Project 2025 suggests restructuring the federal workforce is an example-- even if you're an expert, if you work in a federal agency and don't comply, you're gone.

The long-term purpose of all this is clear-- control the knowledge, control the history, prevent people from developing any skills to oppose you through research or academic theory, prevent people from going to institutions that can get them to question society and power. It is much harder to organize and develop ideas to oppose the people in power if you never get any chance to learn how or what others have done before you.

When the obstacles to getting educated become so great, so challenging, how many people will try? Why risk it, when you have more certainty working a blue-collar job instead? Why push young women to go to school when, if they take out loans, may not be able to maintain the payments if they get married and leave the workforce to have children-- or if they get pregnant (and will not be able to access birth control or an abortion) unexpectedly and also have to leave the workforce? With social safety net programs gutted and women forced to give birth upon becoming pregnant, and no early childhood education program to provide relief causing women to have to stay home, there would be no way to repay student loans for women who leave the workforce in this scenario. Being a woman is too much of a risk for higher ed in this world--how many will take that risk?

And none of this even scratches what Project 2025 wants to do to the colleges and universities themselves and how teaching certain subjects could cause them to lose funding. Again--how many will take that risk? Going bankrupt, or discussing critical race theory?

The real, long-lasting threat of this agenda, even beyond the immediate terrible effects on the LGBTQ+ community and disadvantaged communities, is to make life unlivable for those that disagree or exist in a way the right-wing doesn't like. It uses the whole of systems of power--governmental, financial, social, societal-- to work together in concert to make the only way to live be their way. It's not just one policy--it's all of them working together to crush people and make sure even those in a privileged position who could disagree...won't.

You know the call to action is to vote. But I'd also spend some time educating yourself on some of the more boring-sounding objectives in Project 2025. Don't feel pressured to read the whole thing yourself, because it's very long and dense as it IS actually written by smart and competent people who are conservative academics and former Trump staffers. That's why it's a problem-- these people are smart enough and know enough to make this plan work. But there are a lot of articles from reputable sources out there breaking down even the dullest-sounding parts of this plan-- please spend some time understanding the extent and educate those around you.

[nitewrighter]

This might sound random but what are your tips when applying for a librarian position? What are the best things to bring up/mention during an application of potential interview and anything to avoid saying?

I mean it's going to vary depending on the library you're applying to. Libraries shape themselves according to the needs of their communities, so I would say the best thing you can do for yourself is "Don't see librarianship as a cookie cutter/one size fits all job." I actually recently attended a zoom seminar on interviewing for Library jobs and it took two tries, but following the advice from it got me my current job. So here are some of the spark notes:

-Do your research---Take a deep dive into the library's website. Look at what programming they currently have. Go through their whole calendar. Most public libraries worth their salt have what is called a "Strategic Plan" though that also may vary from town to town. Strategic Plans can tell you about the demographics of the community a library serves and where the library is pinpointing its own weaknesses and where it wants to improve in terms of programming, collection, et cetera. But the Strategic Plan is also where the library is selling itself, making a point of talking about how valuable it is to the community. If you do your research and are able to bring up a point that you've observed in your reading--like, you want to look for gaps that you can fill with your skills, you want to be the guy that solves their problems-- they're going to notice that! Like--for example, "I looked at your strategic plan, and it looks like your Cantonese-language programming has been very popular! I speak Cantonese and I'd be happy to help out with expanding programming or collections!" (disclaimer: Please actually be able to speak Cantonese if you're going to try something like this.)

-Be confident and comfortable-- I know, I know, this is the fucking Dark Souls 'Get Gud' of interview advice but libraries are looking for people who can work with people, and if you're visibly melting down, that is going to affect how competent they think you are for the job. Because they aren't just picturing you in the interview chair, they're picturing you behind the desk, talking to their library's patrons. Look clean, be engaged, be mindful of how fast you're talking, BREATHE, don't freak out at having to take 15-30 seconds to properly think up your answer to a question, but also don't be too stiff, bring a water bottle to sip to buy yourself extra time to respond and/or compose yourself mid-response. Project the image of the person you want to be behind that desk, but also find your baseline and figure out how to return to it.

-Actually take advantage of that "Any Questions?" bit at the end of the interview-- Don't ask about salary at the interview--Most library job listings include the payment range in the listing itself, so asking about the salary just tells the interviewers you didn't read it which definitely knocks off points. No, at the end of the interview, they're going to ask you, "Okay do you have any questions" and I know---Interviews are agonizing and you want this super stressful hyper-performative conversation to be over BUT YOU GOTTA HAVE QUESTIONS. Questions signal your interest on another level, having questions says you're already ready to get started. But okay I got these questions from a "Success at Library Interviews" Zoom seminar and they did help me net that job. So here they are:

"What are you looking for in your ideal candidate?"

This question allows the interviewers to emphasize more specific points of the job opening, and also gives you an additional opportunity to sell yourself as The Guy Who Can Solve That Problem.

"What would you say is the biggest challenge facing your library right now?"

This signals a more broad-spectrum interest in their library while also providing you an opportunity to sell yourself as The Guy Who Can Solve That Problem.

And, for funsies--

"What is your favorite part of library work?"

This one helps lighten the mood from the library's problems while also creating a space to connect a little more personally with your interviewers--it also gives you a space to talk about your own sense of fulfillment with library work.

So yeah. Again, all libraries are different and your mileage may vary--but engagement is the name of the game here.

[dontmeantobepoliticalbut]

Swing-state voters are open to several ideas to keep Social Security benefits flowing for decades — as long as it’s the wealthy footing the bill, according to the latest Bloomberg News/Morning Consult poll.

An overwhelming 77% of registered voters in the seven states that will decide the 2024 presidential election like the idea of a billionaires tax to bolster Social Security shortfalls, the poll found. More than half say they approve of trimming benefits for high-earners, and for taxing wages for Social Security beyond the first $168,600 in earnings as done under current policy.

The poll was conducted among registered voters in Arizona, Georgia, Michigan, Nevada, North Carolina, Pennsylvania and Wisconsin between April 8-15.

Across-the-board changes — raising the retirement age to 69 from 67 or introducing a new formula that results in less generous benefit payments — were less popular. Around one-fourth of poll respondents supported those policies, while about a third support increasing payroll taxes.

The poll demonstrates the difficult task Congress will face in the coming years as it grapples with how to shore up the social safety net program for aging Americans. The Congressional Budget Office estimates that starting in 2034 Social Security recipients will only receive about 75% of their promised payments if lawmakers don’t act.

“A lot of people want the government to take action, but they’re not really sure how,” Matt Monday, a senior manager for Morning Consult, said in an interview. “But the things that they do feel sure about is that someone else should do it,” he said, pointing to the wide popularity of the billionaires tax.

President Joe Biden’s billionaires tax would place a 25% levy on households worth more than $100 million. The plan taxes accumulated wealth, so it ends up hitting money that often goes untaxed under current laws. The president has also proposed higher payroll taxes on those making more than $400,000 as a way to strengthen the Social Security trust fund.

Conversations in Washington about large-scale plans to find new ways to fund Social Security have become more pressing with projections showing the program is becoming increasingly unsustainable. But changes to Social Security are politically risky because older Americans, who are directly benefitting from the payments, are an important voting bloc for both parties.

Benefit programs for elderly Americans are one of voters’ top priorities in November — only the economy, immigration, abortion and protecting democracy were chosen more often when respondents were asked what single issue was most important to their voting decision.

The poll also found that swing state voters trust Biden more than Republican presumptive nominee Donald Trump to preserve Social Security and Medicare, with 45% trusting Biden and 39% trusting Trump.

Trump has not articulated a clear vision for the benefit programs. His campaign website says he will “always protect” Social Security without providing details. In a March interview, he said “there is a lot you can do in terms of entitlements in terms of cutting,” but later walked back that statement, saying he would never do anything to “jeopardize or hurt” the payments for older people.

Republicans in Congress have proposed raising the retirement age and using a new cost of living adjustment metric that would result in lower payments over time. Nikki Haley, who challenged Trump for the GOP presidential nomination, proposed scaling back Social Security benefits for future generations and higher income retirees.

METHODOLOGY

The Bloomberg News/Morning Consult poll surveyed 4,969 registered voters in seven swing states: 801 registered voters in Arizona, 802 in Georgia, 708 in Michigan, 450 in Nevada, 703 in North Carolina, 803 in Pennsylvania and 702 in Wisconsin. The surveys were conducted online from April 8-15. The aggregated data across the seven swing states were weighted to approximate a target sample of swing-state registered voters based on gender, age, race/ethnicity, marital status, home ownership, 2020 presidential vote and state. State-level data were weighted to approximate a target sample of registered voters in the respective state based on gender, age, race/ethnicity, marital status, home ownership, and 2020 presidential vote. The margin of error is plus or minus 1 percentage point across the seven states; 3 percentage points in Arizona, Georgia and Pennsylvania; 4 percentage points in Michigan, North Carolina, and Wisconsin, and 5 percentage points in Nevada.

[fandomchokehold]

ok I finally made Samson's card for @bareee @tav-dex !!!!!

These are his starting lvl 1 cantrips and spells

Class Action - Bardic Inspiration

Race Cantrip - Chill Touch

Bard Cantrips - Vicious Mockery & Blade Ward

Spells - Cure Wounds, Healing Word, Speak with Animals, & Dissonant Whispers

with each level up the cantrips, spells, and abilities he gains fall under healing and necromancy

Screenshots and summarized backstory & fun facts below the cut!

and some cute screenshots from his and Gale's weave date 🥰

Short Backstory:

Samson was born in Elmwood, south of the Moonsea, to a sun elf woman named Thalia and human man named Lonán. His father was a nature domain cleric of Lathander and his mother was a light domain cleric of Kelemvor, but by the time they settled and had Sam they were just simple village bakers. When Samson was 7 his father succumbed to his lifelong battle with a chronic illness (in modern terms it would be autoimmune vasculitis), and after 4 years of grieving him, Sam's mother decided to follow Lonán into the afterlife.

After his mother's death he was sent to Calimport to live under the care of his maternal Uncle and his wife; they weren't horribly abusive, never raising a hand at him, but they did not approve of his desire to study medicine and necromancy and instead tried to force him into the family business of heavily corrupt politics. Sam obviously was not thrilled with this life prospect and decided, after a year of living with them, to make a mad dash for Waterdeep.

At age 12 he stowed away on a ship in the harbor and was allowed to sail with them for 3 years, departing in the City of Splendors at 15 after making lifelong friends of the crew and gaining the necessary skills that enabled him to survive alone on the streets in Waterdeep. After being a transient for half a year he met Odette, the cranky duergar monk who let him crash on her couch as payment for healing up her infected amputated leg. It was always supposed to be a temporary living situation but, whether she wanted to admit it or not, the kid lit up her dreary life like nothing else and she basically just kept him as the younger brother she never had.

It was just the two of them for 15 years since meeting until one night when Samson happened upon a roughed up noble in the alley outside his and Odette's flat. Wren, a human sorcerer who couldn't have been older than 21, was more than happy to let Samson heal them and assured the half-elf and duergar that they would be paid handsomely if they allowed the noble to stay with them for just a week as there were some "unsavory types" looking for them... unsavory types who happened to bear their family's crest. Sam and Odette did not bother questioning it.

So a week came and went, then another, and another, and Wren just never really left. Samson was thrilled to have made a friend and roommate while Odette was just happy to have extra help with the expenses. They were an unwavering, unbreakable dynamic trio for five more years until they got snatched up in the street by the Nautiloid.

*so basically in my head Samson, Odette, and Wren were all out in Waterdeep when the Mindflayers attacked and all got snatched up at the same time, escaped together with Shadowheart & Lae'zel, and are running around the world as the wavering falling-apart-at-the-seams dynamic trio

**sorry if the inclusion of Wren and Odette in this was confusing it's just cuz they play an important role in Samson's life and I would be posting about them a lot like with Sam but I just haven't played as them or my dark urge Lior yet cuz I'm still rocking with my slow af first playthrough

***if anyone cares cuz they all exist together during the events of the game Samson is romancing Gale, Odette romances Karlach, Wren romances Halsin, and Lior the dark urge is aroace in game but in my mind him and Gortash get to have a Good Omens season 2 Gabriel and Beelzebub style romance ending where they just kinda fuck off to the Caribbean post Netherbrain

Fun Facts About Samson Silversten!

he's a really good baker but can't cook for shit

he's ambidextrous

his dad Lonán was Irish so Sam has an Irish accent; he sounds like Hozier both speaking and singing (lemme live in delulu land okay???)

he knows four languages: Common, Elvish, Gaelic, and Common Sign Language

can usually be found engrossed in a necromantic tome or copying medical illustrations into his personal journal

he's autistic (me when I project onto my OCs) in a resting bitch face, deadpan, lackluster reactions unless it's something he's really passionate about way

can get frustrated with tasks easily and go temporarily non-verbal; he never lockpicks, it's gotten to the point if they happen upon something locked Astarion will just rifle through Samson's bag and take his thieves tools without asking to avoid him getting upset

he's tall and thin and gangly as hell (think Julian Devorak physique)

he has heterochromia, his right eye (your left) is brown while his left eye (your right) is a golden hazel

he's demisexual homoromantic (i.e. can only feel sexually attracted to people he knows well and is romantically attracted to, only feels romantic attraction for men)

he loves going for early morning swims and can hold his breath for a concerning amount of time

the skills he picked up on The Daybreaker (the ship he stowed away on) were knot tying, star navigation, fishing, sailing, and basic sword fighting

he has several nicknames; everyone calls him Samson or Sam, Wren calls him Freckles (affectionately, they love him so much), when they're married Gale calls him Sunlight or Sunshine, Captain Aamiina of The Daybreaker calls him her guri dambeys, but the only person alive allowed to call him Sammy is Odette

he's not as hairy as Gale but he has body hair on his arms, legs, chest, and happy trail

he's absolutely covered in freckles, the ones in areas often exposed to the sun darker than the rest; has 100% said something cheesy along the lines of "you shouldn't kiss me, I don't need more freckles" to imply the person he's saying it to is an angel

wow that sure was a lot I am so sorry have these screenshots of Samson looking directly into the camera like he's on The Office as a departing gift!

[financeattips]

Millennials Money Tips for Personal Finance

It is very difficult for millennials to manage their own finances today as the world of competition requiring one to workout harder has changed in a matter of months. From student loan debt to increasing living costs, this generation has faced financial struggles that are all its own. Nevertheless, there are strategies out there that can work for the millennial in search of sustainable financial security or even just a better bottom line. Below are a few of the basic personal finance tips for millennials.

1. Set Clear Financial Goals

The first step in any financial plan is establishing specific and attainable goals. Whether it's to buy a home, pay off your student loans, or save for retirement — knowing what you're working towards will keep you more engaged and inspired. Divide your goals into short-term (one to two years), medium-term (three to five years) and long-(five or more). This approach helps you to prioritize and use your resources accordingly.

2. Create and Stick to a Budget

The Facet of Financial Management: Budgeting Track your income and expenses: The very first step is to track how much you are earning, after that what things consume your bills? Budgeting tools; you may use an app to categorize what you spend on and where they can be reduced. If possible, adhere to the 50/30/20 rule — apportion half of your funds towards needs and twenty percent for saving or repaying debt.

3. Build an Emergency Fund                                                                         

It is only a rainy day fund to act as an emergency safety net in case life decides not to follow your plan. The hopefully three to six months of absolute must-have sequestered in a separate, liquid account. It can help you with the cost of surprising expenses–whether they be medical bills or it lets you maintain your financial schedule, rather than having a huge hole in it due to car repairs.

4. Manage Debt Wisely

For many millennials, student loan debt can be a large financial weight. Start your payoff journey with high-interest debt — credit card balances are a solid place to begin. Refinance or consolidate student loans at a lower interest rate. Establish and Maintain a HISTORY of consistent on-time payments to improve your credit score, reducing overall debt.

5. Invest for the Future

If you want to create wealth then investment is the most important thing for it. If your employer offers a matching 401(k) plan, that is what you should start with. Demand more investment options like IRAs, Stocks and Mutual Funds. Simply Diversify A toasted way to diversification! The point is that, your money should earning with compounding.

6. Enhance Financial Literacy

One can be really good at making informed decision which is backed by financial literacy. Use online sources, books and courses to learn more about personal finance. Understanding concepts such as interest rates, inflation and investment options can help you make more informed financial decisions.

7. Plan for Retirement

Architecting retirement: It is never too early to plan for retirement. Save a minimum of 15% of your income toward retirement. Make use of Roth IRAs and traditional IRA tax-advantaged accounts. You may want to talk with a financial advisor who can help you put together your own retirement plan based on what you hope for in retirement and how much risk you are willing to take.

8. Protect Your Assets

But while it may not be the sexiest asset class around, insurance is integral to any complete financial plan. Make sure of health, auto and and home insurance coverage. Good idea: If you have dependents, consider life insurance. Disability insurance provides you income in the event of an illness or injury.

9. Check Your Credit Score

Great credit can unlock lower-interest rates and financial possibilities. Review your credit report on a regular basis for inaccuracies and work towards building up the score. By paying your bills on time, keeping credit card balances low and only opening new accounts when you need them (and therefore improved scores so long as other key factors don't weigh in ).

10. Seek Professional Advice

If you are unsure of where to begin or need help, then speak with a financial advisor. They can give you advice and even consult with you to build a financial plan as well. Also look for a good pedigree — Certified Financial Planner (CFP) or Chartered Financial Analyst (CFA).

With these personal finance tips, a millennial can move forward in the financial journey feeling more secure for their future. Earning money is only part of the process… its mastering discipline, consistency and continuous learning that leads to long-term financial success.

[darkmaga-retard]

The "revelations" about Hunter Biden's "business activities" will be used to remove his father before the end of his term

Raw Egg Nationalist

Aug 15, 2024

Is it finally over for the Bidens?

I think so. And I’m not just talking about Joe, who remember is still the President, despite all the focus on his Vice President and her running-mate, Minnesota Governor Tim Walz. I’m talking about the entire family: the people who have enabled him and served as part of the so-called “Biden oligarchy” that actually ran the presidency in his mental absence. It’s over for them too. Here’s why.

On Wednesday, a bombshell new court filing was introduced by prosecutors in Hunter Biden’s tax-fraud case, which is due to begin in September. You may remember that young Hunter has already been convicted of felony charges with regard to the purchase of a gun while he was high on crack cocaine, but he’s also facing three felony tax charges and further misdemeanors for allegedly failing to pay $1.4 million in taxes from 2016 to 2020.

The new filing goes beyond unpaid taxes. It alleges that Biden and certain business associates were involved in a scheme that saw them net $3 million, given to them by a Romanian oligarch, Gabriel Popoviciu, in exchange for political favours while Joe Biden was Obama’s vice president, back in 2015. Popoviciu was being investigated for corruption in his native Romania at the time of the payments, which ran between November 2015 and 2017.

[unpluggedfinancial]

The Power of Budgeting: Your Key to Getting Ahead

In today's uncertain economic climate, one principle remains steadfast: the importance of a good budget. Far from being restrictive, budgeting is the cornerstone of financial freedom and success. Let's explore why a solid budget is essential and how it can set you on the path to getting ahead.

The Foundation of Financial Health

Imagine your finances as a garden. Without proper planning, weeds can quickly overrun it. A good budget is like a well-thought-out garden plan, ensuring every financial decision supports your long-term goals.

A budget provides a clear picture of your financial situation. According to a 2021 survey by Debt.com, 80% of people who budget say it helps them get out of debt or stay out of debt. This clarity allows you to identify unnecessary expenses and redirect funds towards more meaningful goals.

Empowerment Through Control

Budgeting isn't about restriction; it's about taking control of your financial destiny. It breaks the stressful cycle of living paycheck to paycheck.

Take Sarah, for example. She was always stressed about her finances until she created a budget. She discovered she had been spending $500 monthly on takeout and impulse buys. By reallocating those funds, she built an emergency fund and started saving for a house down payment.

The Path to Savings and Investment

A good budget makes saving achievable by breaking it down into manageable steps. The "50/30/20 rule" is a popular budgeting technique: allocate 50% of your income to needs, 30% to wants, and 20% to savings and debt repayment.

James, a young professional, started budgeting in his mid-20s using this rule. By consistently saving and investing 20% of his income, he built a robust investment portfolio by his 40s, providing financial security and freedom to pursue his passions.

Reducing Stress and Increasing Peace of Mind

Financial stress can take a heavy toll on your health. A study by the American Psychological Association found that 72% of Americans feel stressed about money at least some of the time. A good budget acts as a safety net, providing peace of mind and reducing anxiety.

Emily, a single mother of two, experienced this firsthand. After creating a budget, she felt a huge weight lift off her shoulders, knowing she had a plan to cover expenses and save for her children's education.

Building Discipline and Financial Habits

Budgeting teaches discipline that can extend beyond finances. Mark, a young entrepreneur, found that budgeting improved his business practices. By applying budgeting principles to his business, he cut costs by 15%, increased profitability, and reinvested in growth opportunities.

Achieving Your Financial Goals

A good budget transforms dreams into achievable goals. Whether you want to pay off debt, save for a home, or retire early, a budget provides the roadmap.

The SMART goal-setting technique (Specific, Measurable, Achievable, Relevant, Time-bound) can be particularly effective when budgeting. For instance, instead of "save more," set a goal like "save $5,000 for a vacation in 12 months."

Overcoming Common Budgeting Challenges

While budgeting offers numerous benefits, it's not without challenges. Here are some common obstacles and how to overcome them:

Inconsistent Income: If your income varies, budget based on your lowest-earning month and save extra during better months.

Unexpected Expenses: Build an emergency fund into your budget to cover unforeseen costs.

Lack of Motivation: Set small, achievable milestones and reward yourself for meeting them.

Budgeting Fatigue: Use budgeting apps or tools to simplify the process and make it more engaging.

Conclusion

Having a good budget is not just a financial strategy; it's a fundamental step towards getting ahead in life. It equips you with the knowledge, control, and discipline needed to navigate the complexities of the financial landscape. Remember, budgeting isn't about depriving yourself; it's about empowerment. It ensures every dollar you earn works towards your future.

A study by The Penny Hoarder found that 65% of people who maintain a budget consider themselves "very financially secure," compared to only 13% of those who don't budget.

Start today with a simple budget. Track your income and expenses for a month, then set realistic goals. Use tools like spreadsheets or budgeting apps to make the process easier. With time and consistency, you'll see how a simple budget can transform your financial reality and help you get ahead.

Your financial success begins with this single step. Are you ready to take control of your financial future? Download a budgeting app or set up a simple spreadsheet today and start your journey to financial freedom.

Take Action Towards Financial Independence

If this article has sparked your interest in the transformative potential of Bitcoin, there's so much more to explore! Dive deeper into the world of financial independence and revolutionize your understanding of money by following my blog and subscribing to my YouTube channel.

🌐 Blog: Unplugged Financial Blog Stay updated with insightful articles, detailed analyses, and practical advice on navigating the evolving financial landscape. Learn about the history of money, the flaws in our current financial systems, and how Bitcoin can offer a path to a more secure and independent financial future.

📺 YouTube Channel: Unplugged Financial Subscribe to our YouTube channel for engaging video content that breaks down complex financial topics into easy-to-understand segments. From in-depth discussions on monetary policies to the latest trends in cryptocurrency, our videos will equip you with the knowledge you need to make informed financial decisions.

👍 Like, subscribe, and hit the notification bell to stay updated with our latest content. Whether you're a seasoned investor, a curious newcomer, or someone concerned about the future of your financial health, our community is here to support you on your journey to financial independence.

[somethingusefulfromflorida]

On the apartment application I asked for a unit on the ground floor. I don't want to schlep furniture and boxes up a flight of stairs again. The good news is it's partially furnished, so I don't need to bring my own bed, but my desk, my chair, my side table, my bookshelves... I'm gonna need to consolidate my life, pick and choose what all to bring with me.

I (tentatively) move in on the 1st, a week from today. I have enough money saved up that I don't need to get a job immediately, but I've already started applying to a bunch of different places anyway. I made $15/hour at my old job, so I won't take a penny less! Oh, and I'll never work customer service again as long as I live. I won't do it. I can't...

It's a 400 mile trip, 7 hours if traffic is good. I've driven it by myself three or four times, and with family probably twenty or thirty times over the years, so I'm used to it, but my car still doesn't have AC, it's the hottest summer in human history, and we're about to enter the peak of hurricane season, so God help me. The blower motor is fine, there's just a bad leak in the coolant line; I can fill it up before I head out and the AC will last me a day or two before it all leaks out again, then I can get it fixed once I'm settled.

I've been out of college for longer than I was in college, and I feel like those years have been wasted. I didn't really do anything to further my career goals or work on any substantive creative projects. I had a housing scholarship in school so I didn't need to work, and my parents haven't charged me any rent since graduating, so I've had training wheels my entire adult life. Hell, even my student loans have been deffered since day one; I had a six month grace period, then a year of $0 payments because I had such low income (short term gain, long term loss; I accrued a ton of interest), and then the pandemic happened, so I haven't had to pay until now. I would have had it all forgiven were it not for trump's nazi bastards on the supreme court. This will be my first real stint at independence, which means BILLS!

I'll be flying without a net for the first time, and it's been a long time coming. I'm an adult, I'm almost 30 and have nothing to show for it. That changes now!

A new chapter of my life can finally begin!

[primesummitsolutions]

Best Amazon Dropshipping Services for Small Business Owners in the USA

Amazon has become a leading platform for entrepreneurs and business owners seeking automation and growth. However, many struggle to manage their eCommerce businesses effectively due to time constraints, lack of experience, or the complexities of handling day-to-day operations. To bridge these gaps, expert Amazon services can provide valuable support by offering tailored strategies that suit both long-term growth and exit plans.

Amazon’s growth, especially post-pandemic, continues to make it an attractive platform for investment. A survey by eMarketer projects U.S. holiday spending to reach $282 billion in 2024, a 28% increase from the previous year. This demonstrates the continued success of eCommerce platforms like Amazon Seller Central.

For entrepreneurs considering dropshipping, professional managed services are invaluable. Just as an experienced race team helps optimize performance, a managed Amazon service allows business owners to hit the ground running without trial and error. By partnering with experts, owners can avoid the learning curve and start generating consistent revenue sooner.

How Amazon Dropshipping Works

In Amazon dropshipping, sellers list products from suppliers without holding inventory. When a customer makes a purchase, the seller buys the product from the supplier, and the supplier ships it directly to the customer. This model allows sellers to avoid upfront inventory costs and purchase products only after a sale has been made. Additionally, returns are managed by coordinating with suppliers, ensuring efficient refund processing.

Dropshipping is low-risk with the potential for quick growth, making it an ideal option for many entrepreneurs. Prime Summit Solutions offers a checklist-based approach to ensure compliance with Amazon's policies and optimize store performance.

Fulfillment by Amazon (FBA)

FBA differs from dropshipping in that Amazon manages the entire fulfillment process, including storage, shipping, and customer service. Prime Summit Solutions offers comprehensive FBA services, handling everything from product research to listing management. With FBA, businesses benefit from faster shipping, higher net profit margins, and quicker payouts compared to dropshipping. This model allows sellers to focus on growth while Amazon takes care of logistics.

The Benefits of Managed Amazon Services

Managed companies like Prime Summit Solutions provide expert support, helping small business owners optimize their eCommerce operations from the start. By leveraging expert knowledge, entrepreneurs can avoid the hassle of learning from scratch, saving valuable time and increasing their chances of success.

For long-term growth, services like white labeling and private labeling can help sellers build unique brands, eventually creating more attractive exit strategies. Prime Summit Solutions provides assistance in all areas of eCommerce, from dropshipping and FBA to brand development and Amazon automation, ensuring smooth operations at every stage.

FAQs

Payments: All earnings are paid directly to your bank account by Amazon.

Profit Margins: Dropshipping margins are typically 10-20%, while FBA margins range from 15-30%.

Financial Reports: Detailed monthly reports are provided for accounting purposes.

Return on Investment Guarantee: Prime Summit Solutions offers a legal money-back guarantee if you don’t achieve a full ROI within a specified period.

To get started, business owners can reach out to Prime Summit Solutions through their website for a free consultation. Their Amazon automation services are designed to support business growth and maximize profitability.

For more details, visit: Prime Summit Solutions

[negocioiqcom]

Calculadora de salario neto en México Fácil y Rápido

Understanding your net salary after taxes and deductions is crucial for managing your personal finances in Mexico. With the net salary calculator, you can accurately determine how much money you will receive after taxes and other deductions have been applied. This article will guide you through the calculation process, explain key terms, and show you how to use this tool effectively.

What is Net Salary?

Net salary is the amount you actually receive after all taxes, contributions, and deductions have been taken from your gross salary. It is the money you have left to spend or save. To calculate it, you need to know your gross salary, the applicable tax rate, and any other deductions you need to make.

How Does the Net Salary Calculator Work?

The net salary calculator is a simple yet effective tool that allows you to calculate your net salary in just a few steps. The calculator takes your gross salary, applies the tax rate, and deducts any additional amounts to provide you with the net salary.

Steps to Use the Net Salary Calculator

Enter Your Gross Salary: This is the total amount you earn before taxes and deductions.

Enter the Tax Rate: The tax rate is the percentage of your gross salary that will be deducted as tax.

Enter Other Deductions: Here, you can add any other deductions such as social security, retirement savings contributions, and more.

Calculate: Press the calculate button, and the tool will show you the net salary you will receive.

Practical Example

Imagine you have a gross salary of $20,000 MXN per month. The applicable tax rate is 15%, and you have other deductions totaling $1,000 MXN.ConceptAmount (MXN)Gross Salary$20,000.00Taxes (15%)$3,000.00Other Deductions$1,000.00Net Salary$16,000.00

In this case, your net salary would be $16,000 MXN.

Complete Guide to Using the Net Salary Calculator

To maximize the benefits of this tool, follow these simple steps:

Gather Your Information: Make sure you have your gross salary, the applicable tax rate, and any other deductions ready. This information is crucial for an accurate calculation.

Use the Calculator: Enter the data into the appropriate fields. Ensure the numbers are correct, as a small error could alter the result.

Interpret the Results: Once you have your net salary, use it to plan your monthly budget. Knowing how much money you will have after taxes and deductions is vital for effectively managing your finances.

Benefits of Knowing Your Net Salary

Financial Planning: Knowing your net salary helps you better plan your expenses and savings.

Avoid Surprises: Being aware of how much money you will receive prevents unpleasant surprises when you get paid.

Salary Negotiation: Knowing how much you actually earn after taxes allows you to negotiate your salary better.

Key Terms to Understand Your Net Salary

Understanding the basic concepts that influence your net salary is important. Here are some key terms:

Gross Salary: The total salary you receive before any deductions. It includes your base salary plus any bonuses or additional payments.

Tax Rate: In Mexico, the tax rate depends on your income level. This rate is a percentage of your gross salary that is deducted as income tax (ISR).

Other Deductions: These may include contributions to social security, retirement savings funds, personal loans, and more.

Importance of the Net Salary Calculator

The net salary calculator is an essential tool for any worker in Mexico. It not only helps you know how much money you will actually receive but also allows you to:

Plan Your Savings: Knowing your net salary helps you determine how much you can save each month.

Manage Your Expenses: By knowing your net income, you can adjust your expenses to live within your means.

Understand Your Deductions: The calculator clearly shows how your gross salary is distributed, helping you better understand your deductions.

How Does the Tax Rate Affect Your Net Salary?

The tax rate has a significant impact on your net salary. In Mexico, tax rates are progressive, meaning that as your income increases, so does the percentage of taxes you must pay. For example:

If you have a gross salary of $10,000 MXN and a tax rate of 10%, your tax deduction would be $1,000 MXN, leaving you with a net salary of $9,000 MXN.

If your gross salary is $30,000 MXN with a tax rate of 20%, you would pay $6,000 MXN in taxes, resulting in a net salary of $24,000 MXN.

Frequently Asked Questions about Net Salary

Why is it important to know my net salary? Knowing your net salary is crucial for managing your personal finances. It lets you know how much money you will actually have after taxes and deductions, which is essential for budgeting.

How can I calculate my net salary accurately? The best way to calculate your net salary is to use the net salary calculator. Enter your gross salary, tax rate, and any other deductions to get an accurate result.

What if my net salary is lower than expected? If your net salary is lower than expected, check the deductions applied. There may be additional deductions or an error in the tax rate. Make sure all the information entered into the calculator is correct.

How does inflation affect my net salary? Inflation reduces the purchasing power of your net salary. Although the amount in pesos may not change, what you can buy with that money may decrease if inflation is high.

What can I do if I want to increase my net salary? To increase your net salary, you can look for opportunities to earn additional income, negotiate a salary increase, or review your deductions to ensure you are only paying what is necessary.

The Net Salary Calculator in Mexico is an indispensable tool for any worker who wants to have precise control over their personal finances. By knowing your net salary, you can better plan your budget, save more efficiently, and avoid surprises in your monthly pay. Don’t hesitate to use this calculator to ensure you have a clear and realistic view of your income.

Use the Net Salary Calculator

This guide has provided all the necessary information to understand and calculate your net salary easily and accurately. Take advantage of this tool to improve your financial planning and ensure that you are always aware of how much money you will have available after taxes and deductions

[influencermagazineuk]

Bitcoin Hits Wall Street: A Six-Month Recap and Future Prospects for Crypto Markets

It’s been a notable year for the crypto market, and we're only halfway through 2024. Bitcoin's price surged over 46% in the first six months, significantly outpacing the S&P 500's 15% rise. A major highlight was the U.S. Securities and Exchange Commission's approval of spot Bitcoin exchange-traded funds, a first, which greatly increased institutional investment in cryptocurrencies. Additionally, Bitcoin underwent its fourth halving, an event that occurs approximately every four years after 210,000 blocks are mined. However, as the second half of the year begins, the market faces disruption from Mt Gox. The defunct bitcoin exchange announced plans to distribute over $9 billion worth of funds to its creditors starting in early July. These payments, made in bitcoin, bitcoin cash, and fiat currency, caused Bitcoin's value to briefly drop below $55,000. Despite this short-term volatility, some market makers and investors remain optimistic about Bitcoin's long-term prospects. Here’s a brief overview of the major milestones in the crypto market for 2024 so far, and a look at what might lie ahead for the rest of the year. Bitcoin ETFs Debut on Wall Street The SEC approved the first Bitcoin ETFs on January 10, which hit the stock market the following day. Since their inception, the 11 ETFs have amassed a total net inflow of $14.64 billion and a cumulative trading volume of over $310 billion. Bitcoin experienced a significant price surge, reaching new all-time highs due to increased institutional adoption and favorable regulatory developments. On March 14, Bitcoin hit a new all-time high of $73,794 before falling to between $60,400 and $71,700 amid significant volatility compared to previous months. Several factors contributed to this volume: The approval of spot Bitcoin ETFs in the U.S. The launch of Runes in April, a decentralized protocol enabling the creation of fungible tokens directly on Bitcoin, which enhanced its functionality, scalability, and security, driving increased demand and transactions. The Bitcoin halving on April 19, which was expected to push Bitcoin to new record highs. However, market dynamics have delayed a sustained rally, with analysts noting that historical price spikes often occur 8-9 months post-halving. Read the full article

[elvisgyandoh]

My Experience with Kineko.com: A $250,000 Scam Unveiled

Joining Kineko.com

In December 2022, I opened an account with Kineko.com. For the next six months, I gambled extensively, mainly betting on sports and major European football leagues. During this period, my betting limits were gradually increased from $10,000 to $20,000. Despite initial losses over the first four months, a lucky streak in May 2023 brought my balance to $250,000. However, when I tried to withdraw a significant portion of this balance, Kineko's deceptive practices emerged.

Kineko's Excuses and Delays

On June 23, 2023, I received a message from Kineko's developers:

"I have updates from our management regarding the pending withdrawals: Our data provider is not processing the payments as promised. We are now in litigation with the vendor on the agreed payments, which can take between 4-6 weeks. Sorry for the bad news but we are not able to speed this up at this point. If you wish to still bet/deposit/withdraw we can open a second account. Processing withdrawals for your main account is not possible until the litigation concludes. Please note that we are in the process of switching to a new sports data provider and will have improved event coverage and better lines in the future. Sorry for the inconvenience, this is a first for us."

My Response and Payment Plan Agreement

I responded firmly:

"How you run your risk management is not my responsibility. I played with Kineko when betting, not a third party. You are the party that owes me my balance. If you have deals behind the scenes, that is your business. You are a profitable casino. I believe you will be even more profitable in the future. Could a payment plan be agreed upon?"

We eventually agreed upon a payment plan. On July 15, Kineko offered to process "$10,000 worth of withdrawals every week until we come to a conclusion."

Broken Promises and Further Delays

This payment plan was adhered to for two weeks before they missed one week, then another. Kineko management then stated: "We will process $20,000 on Wednesday next week - the 9th of August 2023 - accounting for both weeks. Sorry for the delay on the info. I will make sure this gets processed accordingly."

However, the $20,000 was never processed on August 9, 2023. They continued to provide constant excuses until September 14, 2023, when I received this email:

"I’m writing you in hopes of finding an amicable solution to the withdrawal situation. We have had many internal discussions about this issue, and we are eager to reach a fair deal with you. In the past months we had major problems with our current sports data provider in terms of offering really high odds for various games even after countless requests to sort this out. As a consequence we are 2 weeks away from switching our feed provider to an industry-leading solution. Our current provider is not willing to cover any losses occurred and the legal process around this will potentially drag out for several years. Given that you already received an excess of $100k in net withdrawals would you be willing to reach a settlement with us? I hope you understand the difficulty of the situation and our position as a young startup."

My Continued Efforts to Resolve the Issue

I responded:

"I wish you the best of luck with your decision to change providers. You may have noticed that I have engaged a third-party mediator through casino.guru to address the withdrawal matter. In the complaint, there are four points I list to be addressed: 1. A comprehensive update on the status of my outstanding payments. 2. An explanation for the recurring delays in processing my weekly withdrawals. 3. A clear and reasonable timeline for the complete resolution of the payments. 4. Assurance that my remaining balance and pending withdrawals are secure and will be processed without further delay. An 'amicable solution to the withdrawal situation' can be found if all these four points are fulfilled. From my perspective, this is both reasonable and fair. What do you think?"

Continued Failures and Final Breach

On October 3, 2023, Kineko management proposed: "Here’s the option that would work for us: Payment of $10k worth of withdrawals every 15th of a month. You will be paid in full. Let me know if that works for you!"

I eventually agreed to this payment plan. Parts of it are public on casino.guru (I will publish the rest if relevant). I received the first monthly payment on November 22, 2023. However, Kineko breached the payment plan for the second time as I did not receive any monthly withdrawal for December (or any month since). They have been non-responsive during this time. The last I heard from Kineko management was on January 18, 2024:

"Apologies for the break! I will contact you throughout the next week as I’m currently out of office for personal reasons."

I never heard from them again. They did not reply to the complaint procedure at casinomeister.com either.

Warning to Potential Users

Additionally, for the Kineko community’s information, they are currently promoting an NFT project which could cost people a lot of money if they are treated as I have been.

Conclusion: A Scam Exposed

This case proves that Kineko's word means nothing. They are clear-cut scammers if they do not adhere to the agreed-upon payment schedule and release my withdrawals. I have waited one year for my withdrawals this month. I have been more than reasonably patient. Release my funds, Kineko.

Scammers Profile Link: Kineko.com

Reference Links: Casino Guru Complaint, Imgur Proof

Amount Scammed

181,042 USDC, 42,026 USDT, 3.377 ETH, 0.3164 BTC, 2.59 SOL

Proof of Payment

Payment Methods: BTC, ETH, USDT, and USDC

Final Note

I advise you to not use Kineko's website, token, or NFT project until this dispute is resolved.

for more details

[chinexboy]

"The $250,000 Kineko.com Scam: A Harrowing Tale of Deception and Loss"

Joining Kineko.com

In December 2022, I opened an account with Kineko.com. For the next six months, I gambled extensively, mainly betting on sports and major European football leagues. During this period, my betting limits were gradually increased from $10,000 to $20,000. Despite initial losses over the first four months, a lucky streak in May 2023 brought my balance to $250,000. However, when I tried to withdraw a significant portion of this balance, Kineko's deceptive practices emerged.

Kineko's Excuses and Delays

On June 23, 2023, I received a message from Kineko's developers:

"I have updates from our management regarding the pending withdrawals: Our data provider is not processing the payments as promised. We are now in litigation with the vendor on the agreed payments, which can take between 4-6 weeks. Sorry for the bad news but we are not able to speed this up at this point. If you wish to still bet/deposit/withdraw we can open a second account. Processing withdrawals for your main account is not possible until the litigation concludes. Please note that we are in the process of switching to a new sports data provider and will have improved event coverage and better lines in the future. Sorry for the inconvenience, this is a first for us."

My Response and Payment Plan Agreement

I responded firmly: "How you run your risk management is not my responsibility. I played with Kineko when betting, not a third party. You are the party that owes me my balance. If you have deals behind the scenes, that is your business. You are a profitable casino. I believe you will be even more profitable in the future. Could a payment plan be agreed upon?"

We eventually agreed upon a payment plan. On July 15, Kineko offered to process "$10,000 worth of withdrawals every week until we come to a conclusion."

Broken Promises and Further Delays

This payment plan was adhered to for two weeks before they missed one week, then another. Kineko management then stated: "We will process $20,000 on Wednesday next week - the 9th of August 2023 - accounting for both weeks. Sorry for the delay on the info. I will make sure this gets processed accordingly."

However, the $20,000 was never processed on August 9, 2023. They continued to provide constant excuses until September 14, 2023, when I received this email:

"I’m writing you in hopes of finding an amicable solution to the withdrawal situation. We have had many internal discussions about this issue, and we are eager to reach a fair deal with you. In the past months we had major problems with our current sports data provider in terms of offering really high odds for various games even after countless requests to sort this out. As a consequence we are 2 weeks away from switching our feed provider to an industry-leading solution. Our current provider is not willing to cover any losses occurred and the legal process around this will potentially drag out for several years. Given that you already received an excess of $100k in net withdrawals would you be willing to reach a settlement with us? I hope you understand the difficulty of the situation and our position as a young startup."

My Continued Efforts to Resolve the Issue

I responded: "I wish you the best of luck with your decision to change providers. You may have noticed that I have engaged a third-party mediator through casino.guru to address the withdrawal matter. In the complaint, there are four points I list to be addressed: 1. A comprehensive update on the status of my outstanding payments. 2. An explanation for the recurring delays in processing my weekly withdrawals. 3. A clear and reasonable timeline for the complete resolution of the payments. 4. Assurance that my remaining balance and pending withdrawals are secure and will be processed without further delay. An 'amicable solution to the withdrawal situation' can be found if all these four points are fulfilled. From my perspective, this is both reasonable and fair. What do you think?"

Continued Failures and Final Breach

On October 3, 2023, Kineko management proposed: "Here’s the option that would work for us: Payment of $10k worth of withdrawals every 15th of a month. You will be paid in full. Let me know if that works for you!"

I eventually agreed to this payment plan. Parts of it are public on casino.guru (I will publish the rest if relevant). I received the first monthly payment on November 22, 2023. However, Kineko breached the payment plan for the second time as I did not receive any monthly withdrawal for December (or any month since). They have been non-responsive during this time. The last I heard from Kineko management was on January 18, 2024: "Apologies for the break! I will contact you throughout the next week as I’m currently out of office for personal reasons."

I never heard from them again. They did not reply to the complaint procedure at casinomeister.com either.

Warning to Potential Users

Additionally, for the Kineko community’s information, they are currently promoting an NFT project which could cost people a lot of money if they are treated as I have been.

Conclusion: A Scam Exposed

This case proves that Kineko's word means nothing. They are clear-cut scammers if they do not adhere to the agreed-upon payment schedule and release my withdrawals. I have waited one year for my withdrawals this month. I have been more than reasonably patient. Release my funds, Kineko.

Scammers Profile Link

Kineko.com

Reference Links

Casino Guru Complaint, Imgur Proof

Amount Scammed

181,042 USDC, 42,026 USDT, 3.377 ETH, 0.3164 BTC, 2.59 SOL

Proof of Payment

Payment Methods: BTC, ETH, USDT, and USDC

Final Note

I advise you to not use Kineko's website, token, or NFT project until this dispute is resolved.

For more details

[cryptokink]

Kineko.com: My $250,000 Nightmare Unveiled

Joining Kineko.com

In December 2022, I opened an account with Kineko.com. For the next six months, I gambled extensively, mainly betting on sports and major European football leagues. During this period, my betting limits were gradually increased from $10,000 to $20,000. Despite initial losses over the first four months, a lucky streak in May 2023 brought my balance to $250,000. However, when I tried to withdraw a significant portion of this balance, Kineko's deceptive practices emerged.

Kineko's Excuses and Delays

On June 23, 2023, I received a message from Kineko's developers:

"I have updates from our management regarding the pending withdrawals: Our data provider is not processing the payments as promised. We are now in litigation with the vendor on the agreed payments, which can take between 4-6 weeks. Sorry for the bad news but we are not able to speed this up at this point. If you wish to still bet/deposit/withdraw we can open a second account. Processing withdrawals for your main account is not possible until the litigation concludes. Please note that we are in the process of switching to a new sports data provider and will have improved event coverage and better lines in the future. Sorry for the inconvenience, this is a first for us."

Proof | Proof

My Response and Payment Plan Agreement

I responded firmly:

"How you run your risk management is not my responsibility. I played with Kineko when betting, not a third party. You are the party that owes me my balance. If you have deals behind the scenes, that is your business. You are a profitable casino. I believe you will be even more profitable in the future. Could a payment plan be agreed upon?"

Proof

We eventually agreed upon a payment plan. On July 15, Kineko offered to process "$10,000 worth of withdrawals every week until we come to a conclusion."

Proof

Broken Promises and Further Delays

This payment plan was adhered to for two weeks before they missed one week, then another. Kineko management then stated: "We will process $20,000 on Wednesday next week - the 9th of August 2023 - accounting for both weeks. Sorry for the delay on the info. I will make sure this gets processed accordingly."

Proof

However, the $20,000 was never processed on August 9, 2023. They continued to provide constant excuses until September 14, 2023, when I received this email:

"I’m writing you in hopes of finding an amicable solution to the withdrawal situation. We have had many internal discussions about this issue, and we are eager to reach a fair deal with you. In the past months we had major problems with our current sports data provider in terms of offering really high odds for various games even after countless requests to sort this out. As a consequence we are 2 weeks away from switching our feed provider to an industry-leading solution. Our current provider is not willing to cover any losses occurred and the legal process around this will potentially drag out for several years. Given that you already received an excess of $100k in net withdrawals would you be willing to reach a settlement with us? I hope you understand the difficulty of the situation and our position as a young startup."

Proof

My Continued Efforts to Resolve the Issue

I responded:

"I wish you the best of luck with your decision to change providers. You may have noticed that I have engaged a third-party mediator through casino.guru to address the withdrawal matter. In the complaint, there are four points I list to be addressed: 1. A comprehensive update on the status of my outstanding payments. 2. An explanation for the recurring delays in processing my weekly withdrawals. 3. A clear and reasonable timeline for the complete resolution of the payments. 4. Assurance that my remaining balance and pending withdrawals are secure and will be processed without further delay. An 'amicable solution to the withdrawal situation' can be found if all these four points are fulfilled. From my perspective, this is both reasonable and fair. What do you think?"

Proof

Continued Failures and Final Breach

On October 3, 2023, Kineko management proposed: "Here’s the option that would work for us: Payment of $10k worth of withdrawals every 15th of a month. You will be paid in full. Let me know if that works for you!"

Proof

I eventually agreed to this payment plan. Parts of it are public on casino.guru (I will publish the rest if relevant). I received the first monthly payment on November 22, 2023. However, Kineko breached the payment plan for the second time as I did not receive any monthly withdrawal for December (or any month since). They have been non-responsive during this time. The last I heard from Kineko management was on January 18, 2024:

"Apologies for the break! I will contact you throughout the next week as I’m currently out of office for personal reasons."

Proof

I never heard from them again. They did not reply to the complaint procedure at casinomeister.com either.

Proof

Warning to Potential Users

Additionally, for the Kineko community’s information, they are currently promoting an NFT project which could cost people a lot of money if they are treated as I have been.

Link

Conclusion: A Scam Exposed

This case proves that Kineko's word means nothing. They are clear-cut scammers if they do not adhere to the agreed-upon payment schedule and release my withdrawals. I have waited one year for my withdrawals this month. I have been more than reasonably patient. Release my funds, Kineko.

Scammers Profile Link:

Kineko.com

Reference Links:

Casino Guru Complaint, Imgur Proof

Amount Scammed:

181,042 USDC, 42,026 USDT, 3.377 ETH, 0.3164 BTC, 2.59 SOL

Proof of Payment

Payment Methods:

BTC, ETH, USDT, and USDC

Final Note

I advise you to not use Kineko's website, token, or NFT project until this dispute is resolved.

[sarkcessboy]

The $250,000 Sports Betting Scam by Kineko.com: Exposing Fraud and Deception

Introduction

In December 2022, I opened an account with Kineko.com, excited to explore their offerings. Over the next six months, I played at this casino with significant volume, primarily betting on sports and the major European football leagues. During this period, I was given special limits that increased from $10,000 to $12,000, then to $18,000, and finally to $20,000. The real issues with Kineko began in May 2023 when I attempted to withdraw a substantial part of my $250,000 balance after a lucky streak on football earlier that month.

Initial Response from Kineko

On June 23, 2023, I received a troubling message from Kineko's developers:

"I have updates from our management regarding the pending withdrawals: ‘Our data provider is not processing the payments as promised. We are now in litigation with the vendor on the agreed payments which can take between 4-6 weeks. Sorry for the bad news but we are not able to speed this up at this point. If you wish to still bet/deposit/withdraw we can open a second account. Processing withdrawals for your main account is not possible until the litigation concludes. Please note that we are in the process of switching to a new sports data provider and will have improved event coverage and better lines in the future. Sorry for the inconvenience, this is a first for us.’" Proof

My Response to Kineko

I responded with frustration and clarity:

"How you run your risk management is not my responsibility. I played with Kineko when betting, not a third party. You are the party that owes me my balance. If you have deals behind the scenes, that is your business. You are a profitable casino. I believe you will be even more profitable in the future. Could a payment plan be agreed upon?” Proof

Agreement on a Payment Plan

We eventually agreed upon a payment plan. On July 15, Kineko offered:

"To process $10,000 worth of withdrawals every week until we come to a conclusion." Proof

Initial Compliance and Subsequent Failures

This payment plan was adhered to for two weeks. Then, they missed one week, followed by a second week. Kineko management then said:

"We will process $20,000 on Wednesday next week - the 9th of August 2023 - accounting for both weeks. Sorry for the delay on the info. I will make sure this gets processed accordingly" Proof

The $20,000 was never processed on August 9, 2023. They provided constant excuses until September 14, 2023, when I received this email:

"I’m writing you in hopes of finding an amicable solution to the withdrawal situation. We have had many internal discussions about this issue, and we are eager to reach a fair deal with you. In the past months, we had major problems with our current sports data provider in terms of offering really high odds for various games even after countless requests to sort this out. As a consequence, we are 2 weeks away from switching our feed provider to an industry-leading solution. Our current provider is not willing to cover any losses occurred and the legal process around this will potentially drag out for several years. Given that you already received an excess of $100k in net withdrawals, would you be willing to reach a settlement with us? I hope you understand the difficulty of the situation and our position as a young startup." Proof

My Further Response and Mediation Efforts

I responded with a clear demand for resolution:

"I wish you the best of luck with your decision to change providers. You may have noticed that I have engaged a third-party mediator through casino.guru to address the withdrawal matter. In the complaint, there are four points I list to be addressed: An 'amicable solution to the withdrawal situation' can be found if all these four points are fulfilled. From my perspective, this is both reasonable and fair. What do you think?" Proof

Kineko's Proposal and Final Agreement

On October 3, 2023, I received this proposal from Kineko management:

"Here’s the option that would work for us: Let me know if that works for you!" Proof

I eventually agreed to this payment plan. Parts of it are public on casino.guru (I will publish the rest if relevant). I received the first monthly payment on November 22, 2023.

Breach of Agreement and Lack of Communication

Now, the reason I publish this scam accusation today is that Kineko breached the payment plan for a second time as I did not receive any monthly withdrawal for December (or any month since). They have been non-respondent during this time. The last I heard from Kineko management was on January 18:

"Apologies for the break! I will contact you throughout the next week as I’m currently out of the office for personal reasons." Proof

I never heard from them again. They did not reply to the complaint procedure at casinomeister.com either. Proof

Warning to Kineko Community

Additionally, for Kineko communities’ information, they are currently doing an NFT project which can cost people a lot of money if treated as I have. Link: Kineko NFT Project

This case is proof that Kineko's word means nothing. They are clear-cut scammers if they do not adhere to the agreed-upon payments schedule and release my withdrawals. I have waited one year for my withdrawals this month. I have been more than reasonably patient. Release my funds, Kineko.

Conclusion

Scammers Profile Link: Kineko.com Reference Link: Casino Guru Complaint Proof: Gyazo Proof Amount Scammed: 181,042 USDC, 42,026 USDT, 3.377 Ethereum, 0.3164 Bitcoin, 2.59 SOL Proof: Gyazo Proof Payment Method: BTC, ETH, USDT, and USDC Proof of Payment: Gyazo Proof Additional Notes: I advise you not to use Kineko website/token/NFT project until this dispute is resolved.

[kayods]

The $20,000 Sports Betting Scam by Kineko.com: Exposing Fraud and Deception

I have had an account with Kineko.com since December 2022. Over the next half year, I played at this casino with considerable volume, mainly on sports and the major European football leagues. I was given special limits increased from $10,000 to $12,000, then from $12,000 to $18,000, and finally from $18,000 to $20,000 throughout this period. The real issues with Kineko began in May 2023, when I wanted to withdraw a large part of my $250,000 balance after a lucky streak on football earlier that month.

Initial Response from Kineko

On June 23, 2023, I received this message from Kineko's developers:

"I have updates from our management regarding the pending withdrawals: ‘Our data provider is not processing the payments as promised. We are now in litigation with the vendor on the agreed payments which can take between 4-6 weeks. Sorry for the bad news but we are not able to speed this up at this point. If you wish to still bet/deposit/withdraw we can open a second account. Processing withdrawals for your main account is not possible until the litigation concludes. Please note that we are in the process of switching to a new sports data provider and will have improved event coverage and better lines in the future. Sorry for the inconvenience, this is a first for us.’"

My Response to Kineko

I responded:

"How you run your risk management is not my responsibility. I played with Kineko when betting, not a third party. You are the party that owes me my balance. If you have deals behind the scenes, that is your business. You are a profitable casino. I believe you will be even more profitable in the future. Could a payment plan be agreed upon?”

Agreement on a Payment Plan

We eventually agreed upon a payment plan. On July 15, Kineko offered:

"To process $10,000 worth of withdrawals every week until we come to a conclusion."

Initial Compliance and Subsequent Failures

This payment plan was adhered to for two weeks. Then, they missed one week, followed by a second week. Kineko management then said:

"We will process $20,000 on Wednesday next week - the 9th of August 2023 - accounting for both weeks. Sorry for the delay on the info. I will make sure this gets processed accordingly."

The $20,000 was never processed on August 9, 2023. They provided constant excuses until September 14, 2023, when I received this email:

"I’m writing you in hopes of finding an amicable solution to the withdrawal situation. We have had many internal discussions about this issue, and we are eager to reach a fair deal with you. In the past months we had major problems with our current sports data provider in terms of offering really high odds for various games even after countless requests to sort this out. As a consequence we are 2 weeks away from switching our feed provider to an industry-leading solution. Our current provider is not willing to cover any losses occurred and the legal process around this will potentially drag out for several years. Given that you already received an excess of $100k in net withdrawals, would you be willing to reach a settlement with us? I hope you understand the difficulty of the situation and our position as a young startup."

My Further Response and Mediation Efforts

I responded:

"I wish you the best of luck with your decision to change providers. You may have noticed that I have engaged a third-party mediator through casino.guru to address the withdrawal matter. In the complaint, there are four points I list to be addressed:

A comprehensive update on the status of my outstanding payments.

An explanation for the recurring delays in processing my weekly withdrawals.

A clear and reasonable timeline for the complete resolution of the payments.

Assurance that my remaining balance and pending withdrawals are secure and will be processed without further delay.

An 'amicable solution to the withdrawal situation' can be found if all these four points are fulfilled. From my perspective, this is both reasonable and fair. What do you think?”

Kineko's Proposal and Final Agreement

On October 3, 2023, I received this proposal from Kineko management:

"Here’s the option that would work for us: Payment of $10,000 worth of withdrawals every 15th of a month. You will be paid in full. Let me know if that works for you!"

I eventually agreed to this payment plan. Parts of it are public on casino.guru (I will publish the rest if relevant). I received the first monthly payment on November 22, 2023.

Breach of Agreement and Lack of Communication

Now, the reason I publish this scam accusation today is Kineko breached the payment plan for a second time as I did not receive any monthly withdrawal for December (or any month since). They have been non-respondent during this time. The last I heard from Kineko management was on January 18:

"Apologies for the break! I will contact you throughout the next week as I’m currently out of the office for personal reasons."

I never heard from them again. They did not reply to the complaint procedure at casinomeister.com either.

Warning to Kineko Community

Additionally, for Kineko communities’ information, they are currently doing an NFT project which can cost people a lot of money if treated as I have.

This case is proof that Kineko's word means nothing. They are clear-cut scammers if they do not adhere to the agreed-upon payments schedule and release my withdrawals. I have waited one year for my withdrawals this month. I have been more than reasonably patient. Release my funds, Kineko.

Conclusion

Scammers Profile Link: Kineko.com

Reference Link: Casino Guru Complaint

Proof:

Amount Scammed: 181,042 USDC, 42,026 USDT, 3.377 Ethereum, 0.3164 Bitcoin, 2.59 SOL

Payment Method: BTC, ETH, USDT, and USDC

I advise you not to use Kineko website/token/NFT project until this dispute is resolved.