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sounmashnews · 2 years

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[ad_1] I used to be nonetheless within the hazy just-past-newborn part with my son when somebody despatched me $500. Between diaper adjustments and countless bounce classes on the yoga ball, I bought a push notification on my telephone.“Anna sent you $500.00 - Antique table - You now have $500.00 in your Venmo account.”Free cash! Like most new mother and father, I had loads of concepts for how to budget an surprising $500. (Venmo, a digital pockets app owned by Paypal, took a vendor transaction payment of 1.9% plus one other 10 cents, so my $500 was truly $490.40.) But I had neither possessed nor offered an vintage desk. I used to be working on minimal sleep, however my rip-off sense was tingling. Anna had despatched me the cash by chance — or had she? Wouldn’t you double-check somebody’s telephone quantity earlier than sending them that a lot cash?It might need been an sincere mistake. I certain would hate to be out that a lot as a result of I mistyped a digit. I regarded into it, and located a Better Business Bureau warning about this “money sent by accident” scam from 2020.I regarded up Venmo’s FAQs on what to do. To my shock, Venmo mentioned I might “simply send the payment back to that user.” (Venmo has since up to date its steerage: The page says to contact Venmo support in the event you obtain cash from somebody you don’t know.) I’m very confused that Venmo’s recommendation in the event you get despatched cash incorrectly (a tactic in a widespread, well-established rip-off) you need to simply ship the cash on again to them, although the primary cost will virtually definitely be reversed and also you’ll get screwed. pic.twitter.com/4N8kwlKYoY— Jessica Roy (@jessica_roy) April 26, 2022 How the rip-off works Sorin Mihailovici, the editor-in-chief of Scam Detector, mentioned if I’d despatched the cash again, I might need discovered myself out $500. He defined: The scammer steals bank card numbers — which could be bought in bulk on the dark web — and attaches these playing cards to accounts on digital pockets apps like Venmo, Cashapp and Zelle. Then, they “accidentally” ship cash to a whole lot or 1000's of individuals without delay, whose telephone numbers had been equally acquired in some back-alley of the web. A subsequent request to get the cash again goes out to all of the targets. Some of these individuals will ignore it, however others will ship the cash again.Software can automate all the course of, Mihailovici mentioned, so even when only one% of the rip-off targets ship a refund to them, “it’s an incredible money-making machine with extremely, extremely little effort.”The first victims, whose bank card numbers had been stolen, will see the fees and get in contact with their banks, who will possible reverse the fees. So they get their a refund. But you may not.In its support documentation on payments from strangers, Venmo notes that once you ship a refund, it should come from your Venmo balance, until the quantity requested is bigger than your Venmo stability. Because the vendor payment had been taken out, my stability was $490.40, bear in mind?So if I’d despatched Anna again a full $500, based on Venmo, it might have been funded fully by my exterior fee methodology, AKA my bank card or checking account. If the primary transaction was subsequently reversed, I might have needed to take it up with my financial institution to try to get my a refund — which solely finally ends up being profitable for lower than 14% of rip-off victims on Venmo, mentioned Steve McFarland, the president and CEO of the Better Business Bureau of Los Angeles and Silicon Valley.Think of it this fashion: If somebody handed you an envelope full of money and mentioned, “Hey, here’s the money I owe you for the antique table!” after which left and a minute later got here again and mentioned, “Never mind, you’re not the right person,” you'd hand them again the identical stack of payments. But that’s not precisely the way it works with digital funds.

A scammer sends you $500, but when the cost is reversed, that preliminary $500 is clawed again. The cash you despatched “back” is a unique $500. It’s your $500. So it’d be like somebody handing you that envelope, then after they got here again, you gave them a unique set of payments out of your pockets. Then a minute later, another person got here alongside and mentioned, “That’s my envelope of cash, someone stole it from me” and took it again.Mihailovici mentioned Venmo isn't the one app the place this rip-off takes place, however as a result of it’s so standard, scammers can discover essentially the most targets there. And even the up to date steerage from Venmo is contradictory in locations, he mentioned: On the “payment from a stranger” page, it tells you to contact help in the event you get an surprising fee; however on the “cancel a payment” page, it says in the event you ship somebody cash by chance, you need to ask them to ship it again to you.Venmo declined to make anybody accessible for an interview for this story. An organization spokesperson emailed this assertion: “The safety and privacy of all Venmo customers and their information has always been a top company priority. When we become aware of scams, we proactively work with law enforcement agencies and industry partners, and use our own systems to mitigate the issue. We encourage customers who suspect they are the target of a scam or have had an unauthorized transaction to contact Customer Service directly.”What do you have to do if somebody sends you cash by chance? “Absolutely do not refund them,” McFarland mentioned.I made a decision to let the cash sit in my Venmo stability. Anna might work it out with Venmo or her financial institution if she’d actually despatched it by chance.A pair days later, I bought spammed with requests to ship again the $500. Again, I did nothing. I confess I felt my heartstrings tug just a little bit: What if Anna had actually despatched the cash by chance, and actually wanted it again? But I didn’t really feel unhealthy sufficient to probably lose $500. I left the cash in my Venmo account, and every week after it was despatched to me, a fee refund for $500 went via and took the cash from my Venmo stability . Venmo issued me a credit score for the vendor transaction payment, so I by no means misplaced any cash. I assume I’ll by no means know whether or not Anna was a scammer or somebody who made an sincere mistake. If it’s the latter, I do hope she labored it out and is having fun with her desk.This specific rip-off is partially attributable to a difficulty with Venmo’s person interface: There isn't any technique to manually decline, refuse or cancel a fee. So in the event you get a fee you didn’t anticipate from a stranger, the most secure factor to do is to let it sit in your Venmo account. But if it’s from somebody you realize — say they unintentionally despatched you their share of the lease as a substitute of their roommate with the identical first title — the suitable factor to do is to ship it again to them.“Money sent by accident” isn't the Better Business Bureau‘s most complained-about scam, McFarland said. Most of the reports he sees are buyer/seller disputes: The buyer uses a digital wallet app to make a payment, and the seller doesn’t ship the merchandise as promised. It was that senior residents had been the commonest rip-off victims, he mentioned, however within the final two to a few years, that has shifted: It’s now millennials and other people simply above and under that cohort who're the probably to fall prey to scams.Why? “They’re on the internet,” McFarland mentioned. And millennials “don’t research as much” earlier than they make a purchase order on-line from someplace like Instagram, TikTook, or Facebook Marketplace, McFarland mentioned. “They said ‘yes’ very quickly, as they hover over their phone, talking with their friends, doing this and doing that and multiple apps at the same time, and don’t have the time to investigate certain purchases and deals, and hoping that the stuff shows up at their door.

And they’re getting scammed.” What in the event you ship cash to the mistaken particular person? What in the event you’re the Anna on this situation? You can attempt to contact buyer help for the app you used, or dispute the fee along with your financial institution or bank card, and also you may be profitable. Or you may not.“There’s pretty much nothing you can do,” Mihailovichi mentioned. He in contrast it to leaving cash on the desk in a espresso store after which coming again later within the day. That cash’s in all probability gone. In the case of a mistaken fee, you'll be able to definitely take Venmo’s recommendation and request it again. You’ll simply should hope the opposite particular person is variety and understanding — and that they didn’t learn this text. [ad_2] Source link

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thesilversolution · 2 years

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What Is The Number One Home Business?

People have various meanings, as far as what a home based business should be. The number one home business for every one is different. For some people, that means being able to work from home and for others, it means running a business from home. Running a business from home does not mean that you are home a lot. You can still run a home business from home and be out on the road more than even for a regular job. Many self-employed people like plumbers, handymen of all sorts, or even copy machine maintenance guys, can spend even up to 12 hours on the road sometimes. Many people just kind of settle because they do not know any better. In fact, they would argue like it is life and death, that they are in the number one home business on the planet. There is a proverb that your father has the largest acres of farmland until you go to another person's father's farm.

One thing I would like to address, is that a business man should never assume that they have the best anything. A business owner needs to understand that there should always be room for improvements. This is how we all grow in life and business. There is a thin line between being confident about your business and being straight up blind and not open to bigger and better things. There is also a thin line between jumping from one home business to another one due to your lack of skills and moving to a better situation simply because it is a better deal. There are way too many home based business owners jumping from one home business to another thinking the grass is greener when in fact they need skills.

One day, I went out to Barnes and Nobles to pick up a few Magazines. We were looking up business names to bid on in Pay Per Click (PPC) marketing, which is a pay per Ad click version of online advertising on Google Marketing platforms, like Adsense, where clicks received are through mini search engine Ads, based upon chosen keyword searches. I was astonished at how many companies that are offering business opportunities. Inside the franchise opportunity magazines, so many business were calling themselves home business franchises.

If your goal is to have more time with family at home, many of these home based opportunities do not cut it. You will end up in another rat race that is just worse than having a job. Many home businesses will only take more hours away from the free time you had after your day job and reward you with an empty bank account. Today, when you say home business to some people, it is a buzz word. It automatically reminds them of some type of scam. This is simply because many have lost their life savings on investing in home business opportunities that have not been so clear up front with people.

Instead of investing hundreds of thousands in borrowed money in an opportunity first, invest in your education first, along with knowledge and proven techniques from successful business people. In fact, home business education, and even training, is free these days. Note that you do not have to invest your life savings in some number one home business opportunity. Many home businesses cost less than $1,000 to start up these days. The rest of any other investment will be in even further education for you--the business operations itself.

There are so many people who have started a work at home business that are making full-time finance. This is great news because working from home gives you the opportunity to be flexible whenever you need time for in your personal day-to-day lifestyle. However, you still need to operate your home business with priority in mind, as your business is your means of financially sustaining your personal life, whether you are single or have a family.

Making finance in a successful home business is one thing, and another thing is actually spending what you have earned on frivolous things that quickly deplete your hard earnings. It is always a good idea to save, while building your financial stability long-term, when running any home business... no matter how successful it starts and plays out in the long haul. Things can always happen in everyday life, which can easily cause financial setbacks and hardships. Therefore, it is always a great idea to have "nest egg" when operating a work at home business.

A lot of people, who are making regular finance, from home, are spending their finance as soon as they get their hands on it, which isn't a very smart thing to do. I made that same mistake several years ago, but have since then learned from my mistakes. Of course, you need to have some finance for yourself just to keep your sanity intact, but you first need to plan a budget for your business as well as for yourself. If you do not make a budget for your business, you are jeopardizing the future of your business due to the fact that you are not preparing for any slow periods or potential downfalls (even if only temporary).

Overall, a number one home business consists of something you choose in particular as enjoyable for you. When running any type of work from home business, your attitude should be operating a business that you truly enjoy, which can bring success based upon whatever product or service you are offering. As with any business, the products and services being offered on a public or private bases, can determine your success potential, as products and services are essentially inclusive to what people want versus what they need. More businesses in modern days tend to focus on offering things that people actually need, therefore plugging-in to the 'supply and demand' factors in life. On the other hand, many businesses tend to focus on what people want, based upon popular products and services that revolve around desire and entertainment factors for peoples' personal enjoyment. These are just some of the things to consider when choosing the number one home business for you to be successful in your financial endeavors.

Here is what many have considered a number one home business for 2022 and the future economy. You can get started by visiting: http://thesilversolution.net

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garrisondelgado14 · 2 years

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Spot The Distinction Between Real And Faux Hermès Baggage

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ayala53monrad · 2 years

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Money... Sometimes it is a five-letter word! If money is something, you need more of, you may want to consider a payday loan. Before you jump in with both feet, make sure you are making the best decision for your situation. The following article contains information you can use when considering a payday loan.

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willadsenbuckley21 · 2 years

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You can find those who don't head to departmental stores anymore because they loathe the knowledge. A lot of people also love to economize by shopping on the internet, or they like the range of items that are available on the net. The things this short article contains will support you with your online shopping expertise.

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honeyabyss · 3 years

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Phone calls after Mc returned to the human realm

Lucifer:

this man is stubborn, calling you would be like admitting he's gone soft and his pride does not allow that!

so he refuses to call for the first few weeks, keeping himself busy with work of which he has enough anyway

due to all his student council work, a few other tasks of Diavolo and on top of that the usual shenanigans of his brothers, he quickly becomes very stressed

he's at his breaking point and needs someone to talk to so he can release some of his stress before he takes it out on someone else

so he goes to your old room and starts talking as soon as he enters it, only to stop confused when he doesn't see you in the room, remembering only now you left for the human realm

disappointed he sits down onto the bed and curls the blanket around himself

"Their scent is almost gone...Soon it'll be as if they were never here"

he closes his eyes, sighs softly and makes his decision

"Mc? I hope I didn't wake you. I simply thought a conversation would be nice, it's been a while..."

Lucifer's call is pretty casual, he talks about his day, work and his troublemaker brothers, it almost feels like any other day before just this time it is over phone

he does not want to admit he misses you, a) because he'd seem weak and b) he fears what admitting it will do to him, he might just miss you even more

BUT while saying goodbye he accidentally lets a "I miss you" slip, his breathing stops shortly realizing his mistake, he is about to apologize when you say it back

he smiles softly, genuinely relieved about your shared sentiment and whispers "I'll call you again soon then" before hanging up

from then on he calls you every evening and you better jump right away and pick up at the first ringing, because this man is lonely without you

Mammon:

"Congratulations! You're one of our lucky winners of our monthly Devil-Lottery. We'll have to confirm your bank account number with the one given to us when you agreed to participating in the lottery. Would you be so kind to slowly repeat the number-"

this greedy demon will quite literally try to scam you, only to absolutely panic when you hang up on him

he will instantly call you back, constantly adjusting his glasses, a nervous habit he acquired over the years

"H-hey...Mc...uhm, it's me your favourite demon!"

he is relieved you picked up, as it means you didn't block him right away, he stumbles over his words trying to find an excuse why he just tried to scam you

"Ah you know I only did that to test you, you've passed nobody scams my human! You're my amazing human after all! That's why I love you...u-uh I-i mean...nothing...that was a static you must have misheard..."

when you tell him you knew it was him as you recognized his voice, he'll be outraged, screaming into his D.D.D (and probably later getting punched by Lucifer for being so loud)

"What do you mean you already knew?! You dared to hang up on The Great Mammon?

He gets a bit sulky by your reaction, so how about playing into his obvious lie of testing you to make him feel better again

besides trying to scam you Mammon also called to (not so sneakily) check on your wellbeing

now that you're gone he constantly worries about you and he can't do much to help, but if you were actually in need of help due to whatever, trust me he'd fight Lucifer himself for permission to go to you

he'll call you as often as he can, sometimes with a few days of a break in between, asking you about your life and also letting you in on his upcoming money making schemes...please don't tell Lucifer about them

Mammon has learned his lesson though, he'll never try to scam you again, he couldn't bare it if you were to block or ignore his calls

Leviathan:

phone calls? Why? You two can just talk about the in-game talk function of this new online game you play, but no real world talk while playing that ruins the immersion!

Levi will rarely call you as he just doesn't feel comfortable enough to talk with you about normie stuff for too long

he normally just spam writes you, ding, ding, ding, one message after another coming in without you being able to respond quick enough

so if gets too much and you decide to just call him so you can have an actual chance of responding, Levi just panics and almost drops his D.D.D

"Mc? D-did you accidentally hit the c-call button? N-no? I-i see no I love you too!!....AAAAAAAh I-i meant I l-l-love t-talking to you too...hehehe w-why would a yucky o-otaku like me say something like that"

poor boy is so nervous he'll say something stupid and will stutter a lot the first few times you call him, he is just not used to talking on the phone

he will laugh nervously over everything and sometimes there'll be a phase of awkward silence, but please don't point it out, Levi is already stressed enough as it is

once he gets used to calls, he'll surprisingly suggests to have a phone call while both of you are watching the new episode of an anime, so he'll be able to talk to you as if you're right next to him, which works out mediocre at first, you have to tell him to be a bit quieter a few times but besides that it's quiet nice

"Ooooooowhooooooah!!! Did you see that? That was amazing, I wish I had these superpowers, I'd save you of every danger like a real hero! W-what do you mean I'm already your hero?"

Yes, you saw and heard it, and your neighbours probably heard Levi...

on the rare occasions Levi calls you he'll often asks you for favours like to buy him this exclusively in the human realm sold limited edition game, of course he isn't like his scummy brother Mammon who'll constantly asks for things and he'll also make it up by sending you stuff you can only get on Akuzon

so calls don't happen very often, but neither if you really mind, you'll still be in contact through messages and games

Satan:

Satan will be very proper about calling you, he'll check through messages if you're fine with him calling you, so he can be sure you have time and he doesn't bother you

Satan never jumps into a conversation right away (unless he is angry), he makes sure to show interest in you and hold a bit small talk, asking about your day, how you're doing and so on

you talk about many different things with him mostly about your shared interests, but Satan is willing to listen to you ramble about hobbies he doesn't have as well

one thing you two quickly come to do was have book club sessions over phone

"I wish you were still here Mc. I miss my book discussion partner, nobody here has as interesting opinions and views as you..."

back in Devildom you two would both read a book and afterwards discuss your thoughts, and you found a way too keep doing just that

you both write about books, decide on one to read for the week and would than have a phone call where you just talk for hours about the piece of literature you've read

now that you're back in the human realm, the book choices are even bigger as you can read human books as well, you just have to send a copy to Satan, sometimes Barbatos will be nice and pick a book up and deliver it to Satan, or to you if it's the other way around with a demon book

"Oh? No, you're right. I haven't thought about it like that yet...your thoughts are so fascinating!"

Satan will shower you in praise for every little detail that you noticed yet he missed. he genuinely enjoys your phone calls, and though he wouldn't admit it, sometimes he anticipates your call more than the actual book

even though there now is a bigger distance between you two he still feels as close to you as before, not much has changed for him and he knows he'll be able to see you again soon, he'll just have to be patient

"Next week, same time? I'm looking forward to talking to you again. Take care until then!"

Asmodeus:

"Oh my Lord! You won't believe what just happened!!!"

no greeting or alike, just straight into the discussion

whenever something gossip worthy happens, Asmo is already dialling your number to spill the tea and keep you updated on any Devildom related gossip, even if it won't help you much, it's a nice thought of him keep you in the loop

those are only the spontaneous call though, obviously you can't take these all the time...you still have a life of your own...

you two actually call each other every day at the same time, plus/minus a couple minutes, the water in the tub has to be filled first...yeah Asmo likes to talk you while he is taking his afternoon bath

"Hahh it's so relaxing, warm water caressing my beautiful skin, and the bath bomb today smells so good! I wish you could smell it, or even better I wish we could bathe together!"

*water sloshing noises intensified*

Asmo...no....yes...maybe...just stop, you'll fluster Mc!

"No really! I miss having you here, I'll pamper you all day the next time I'll get to see you. You must already be starved of my beauty, but don't worry my dear, I'm just as starved of seeing your lovely face!"

what to talk about while he is bathing? Anything really if it's about your day, any complains or whatever, just expect a few innuendos of him...that's nothing new though

seriously though Asmo is the guy to talk to about any of your problems, he will listen and try to come up with a solution for you, even if he seems a bit narcissistic sometimes he really cares about you, so use your phone calls as therapy from time to time

"Oh darling, don't worry it'll be okay! I'm here to help...now tell me every detail so I can come up with a plan! I'll always be there for you, no matter what!"

Beelzebub:

"*munch munch* This one is really good! Mc you should try some...oh"

now that you're back in the human realm, Beels snack times are very lonely, he has just gotten so used to your presence, even sharing his food is normal by now

and let's be honest Beels snack time is 24/7 so he misses you a lot

he feels the urge to call you every five minutes and sometimes even forgets to eat while phone is ringing and he is waiting for you to pick up

but you can't constantly talk with him over phone so the calls often end up on your voicemail where Beel tells you about all the different kind of foods he ate that day

when Belphie catches wind of his twin constantly pestering you, he hides Beels D.D.D so he can't call you all the time

when you're actually able to pick up on his call, Beel will be so happy you can quite literally hear his huge grin while he's excitedly talking about his current snack

"Have you ever tried spicy bat-wings? There opened a new restaurant in town and it's really good!! Next time you're here I'll invite you there. Oh but what if it closes before you're back...ah you'll just have to visit soon!"

though Beel is often disappointed when you don't pick up, he would never hold it against you, he knows he calls quite a lot, but he just misses you and tipping a message while he eats is harder than putting his D.D.D on speaker and talking to you

of course he doesn't only talk about food, he also tells you about how his brothers are doing and how his workout was, or what things he has planned to do at the weekend, all in all Beel is just super happy to share everything of his life with you

on rare occasions he'll call you and be untypically quiet, that happens when he had a fight with his twin, it's not often but sometimes it happens and his first instinct is to call you, because he feels like he can tell you everything so he is very comfortable and trusting with you

"I miss you a lot, you know...but I also know that you think about me daily, every time your stomach rumbles you'll be reminded of me and that makes me happy, I also think about you every time I'm hungry! Hm? But I'm always hungry? That's right! You're always on my mind!"

Belphegor:

Listen, his sleeping schedule is very tight, you can't just expect him to call you!

he will call you so rarely and if you call him it might just happen that he is sleeping and has phone on silent...or he's just to lazy to walk to his phone, or he is just not in the mood to talk... he takes any excuse to not be on the phone

Belphie does like talking to you, but he is not the greatest at long conversations so he like messages more

sometimes when he can't seem to fall asleep, he will be the one to call you...in the middle of the night...and you better pick up or he gets annoyed

"What took you so long? I thought you wanted to talk more often and then you leave me hanging for a whole minute? Doesn't matter I would have waited longer with you...."

he is mostly silent through a phone call, his main reason to call you is because he like to listen to you talk, it's calming to him and if he calmer then he might be able to fall asleep again

so don't expect an amazingly deep conversation...

"Mhmmm...hm? Yeah I'm still there. I'm listening keep talking, I love your voice..."

he'll bring up a topic from time to time so you have an inspiration about what to talk about, but most of the times he just lazily hum or making acknowledging noises so you know he is still listening

"Zzz..."

he will to 100% fall asleep while being on the phone with you, that doesn't mean you're boring, but that he trusts you so much that he is comfortable enough to let his guard down

Diavolo:

"Good afternoon! How was the week of my favourite human?...ah don't tell Solomon I said that hahaha"

as the future king of hell, he is a busy man, but he still manages to give you a call once a week, to the same time you two would have normally had your weekly afternoon tea meeting in the castle

with the exchange year over there is not much about your classes to talk about left, but Dia is just as excited about any other topic you decide to talk about, be it the most mundane thing he loves it!

"Oh so you went grocery shopping? That must be fun! Barbatos does it all the time, though I suppose you buy less things...I'd like to see a human market at some point, I wonder if they're very different from ours...oh but I wouldn't really able to tell I suppose, Barbatos and you would need to point out the differences!"

this man can talk without taking a break for hours...you think Asmo is bad? Prepare for Diavolo...

but seriously it never gets boring with him, because he somehow finds good and fun stuff in every activity, I swear give him a vacuum and watch him clean you're whole flat with the enthusiasm of a child getting presents on Christmas

the work of a future king consists of so much paperwork, Dia will have only few events of his week to tell you about, if there is something to talk about there is a high chance it has to do with the brothers

so he'd much rather just sip his tea and listen to you, he'll ask you loads of questions though about anything he doesn't know

sometimes you two forget the time and Barb sadly has to remind you to come to a stop for now

"Mc? Did I wake you? If so I'm terribly sorry...would you be up to talk for a little bit more? I'm not feeling too tired yet"

surprise night time calls from Dia where you'll have to speak silently or Barbatos might reprimand Diavolo for staying up all night and being tired the next day, Dia doesn't regret it ever though, he likes to talk you a lot!

Barbatos:

Barbatos is always busy and his schedule can often suddenly change with a new whim of his master, so he can't exactly have a scheduled call with you

so you might not get to hear of him very often

BUT he made it a habit to call you when he is on duty to do the dishes, the chore is somewhat boring to him with no one to distract him

so he calls you and if you pick up, he'll put you on speaker and talk to you about whatever comes to mind while his hands wash one after another of the expensive porcelain of the royal household

"I've bought this new tea which is said to be really nice, it can even be enjoyed cold apparently. It seems to have to just the right amount of sweetness to not get bitter when drank cold...you can still add sugar for extra sweetness, though I believe you're already sweet enough as it is"

no matter what you decide to talk about Barbatos always has at least some knowledge about it, so it's beneficial for both of you, he can tell you the things he knows and you tell him your stuff

"I hope I'm not bothering you too much? There is quite a lot to do today... so it might take some more time..."

you will never get to know that Barb has actually already finished the dished a few minutes ago, but just isn't ready to say goodbye yet

the rest of the employees will be able handle the castle for a bit longer without him, meanwhile he can take a well deserved tea break and listen to you

he very much enjoys the fact he found a way to have some time with you while theoretically having to be at work, as long as he is able to finish all the tasks of his daily schedule, he doesn't feel too bad about his not so legal break

"I fear I'll have to get back to work now, but I loved talking to you today! I hope you enjoyed it as well. I'll talk to you again soon!"

Solomon:

Though Solomon returned to the human realm with you, you haven't heard much of him, being a wise old man sorcerer must be very time consuming

so calls of Solomon might be rare but that doesn't mean you don't write messages every now and then, when he calls you though it's always about something interesting or important to share, he talks about those things rather verbally, the best option for him would be in person, but that doesn't always work so a phone call is the second best option

"My lovely apprentice, how is your studying going? I've found the tome we were talking about last time you were interested in...it took some research to find which sorcerer had it but I brought it back for you. How about I'll drop by you next week? I can help you with your studying then, the tome is written in an older version of the language it might be easier if we do it together!"

Solomon can simply not sit still, so while you're on the phone, he is always tinkering at something and the background noises are sometimes quite peculiar...

Was that a pig squeaking? Are you sure you should be brewing a potion while being on the phone? Isn't it distracting?

Oh Lord was that an explosion?!

"Hmm? Oh yeah...I`m cooking dinner right now! It was just a small explosion though, you know the ones that are regularly happen in the kitchen. Why? Was my cute student worried about me?~ heheh alright, alright, I'll stop teasing you...for now!"

no matter how chaotic, teasing or busy Solomon is though, if you call him and are in need of help, he'll drop everything and run to you

he knows how hard it can be when studying magic, not to mention that the studies are difficult, the constant hiding of any magic in front of other humans is also very nerve wrecking, sometimes you feel like giving up and going back to your normal life, back to your non-magical very human friends that are blissfully unaware of everything happening around them, but you know you could never forget and act as if nothing happened, you'd also miss your new not so normal friends, so when times get hard Solomon will rush to you and comfort you in person or at least calm you down on phone until he is able to go to you

if that happens he is more likely to call you every two to three days just to check in on you

"Hey how is my strong and beautiful fellow human doing? Feeling better yet? Need a shoulder to lean on? I'm at your flat in 10 minutes..."

Simeon:

Simeon is a daily caller as well, he's gotten so used to seeing you every day that he feels quite restless if he doesn't get to hear your voice at least once a day

he asked you to recommend at what time he should call, he doesn't want to restrict you in your daily life, so you both came to the conclusion after dinner would be perfect, as both of you are free for the rest of the day then

He will often write a bit on his TSL scripts, just some notes and inspirations he comes up while talking to you

"How was your day my little lamb? You haven't overworked yourself right? Tell me if you ever need help!"

though Simeon would definitely have things to complain about with how Michael is working him to the bone, he'd rather not worry you so instead he tells you about how Luke is doing and evasively answers you questions about himself

"Oh me? Ah yes, I'm doing fine, just doing the usual archangel stuff you know...Ah please do not worry Mc, my dear! Nothing dangerous!"

over the time his TSL notes turn into random scribbles, rhymes and poems and every now and then something that looks suspiciously like your name

Sometimes Luke crashes the call and wants to speak with you as well so Simeon tries to put the phone on speaker only to end up ending the call and Luke getting frustrated with Simeon and doing it himself

then again Simeon also just accidentally hangs up on you mid conversation, because his fingers hit the button without him noticing, he'll get so confused when you cut off in the middle of your sentence and thinks something has happened to you, only to be relieved when you call back a few seconds later

Simeon is very interested in your day and how you doing, asking you many questions and encouraging you to keep talking

"Oh no please keep talking! You're not overwhelming me at all, in fact I like listening to your voice, it puts even the most melodic voice of an angel into the shadows...hahaha did I make you embarrassed? I apologize, I didn't mean to, I was only telling you my honest opinion!"

Simeon is quite the flatterer, but he often does not notice it, he simply tries to be nice, so a call with him leaves you flustered and stuttering ever now and then, but he is just as quick to blush at a honest and heartfelt compliment

Luke:

Luke might be an angel, but he is still low ranking and therefore has less assignments, besides studying to become a great angel and doing some minor tasks for Michael, he is relatively free

he often spends his free time in the kitchen constantly trying to improve his baking, now after the exchange year not only to impress Michael and Simeon but also Barbatos, maybe a bit Beel and definitely you!

but as Simeon is still working at these times, he gets somewhat lonely so he'll try calling you to keep him some company

Luke has this habit of speaking the recipes out loud to remember the steps better and be able to able to make them from memory, he got that tip from Barbatos, but he still has his moments where he gets stuck and forgets what to do next, you can notice that when he gets silent and concentrates on trying to remember

"Ah right that was it! I almost forgot about the eggs! Good thing you were here...or well on the phone hehe! You always remember this stuff, you're so amazing!"

when you tell him you simply looked it up in the internet for him, he'll get a bit sulky that he now basically cheated, but with your reassurance that he is already great and can remember so many other steps, he is quickly back to his happy little angel self

"Michael let me help with his conference today I was assistant record keeper today, one day I'll be able to do it alone, bit they're talking so much and so fast...I think I still need a couple centuries until I'm fully ready, but I'm working on improving! You should also try to improve your skills daily! Even a small bit of practice is good! Though I think you're perfect already!"

Luke most definitely learned his flattering from Simeon... he talks about many different things on the phone but repeating topic is Michael...just talking to you makes his day and later he'll tell everything Simeon and he smiles so brightly while he reports to him, please keep talking to him a lot!

#obey me shall we date #obey me #obey me headcanons #obey me swd #obey me lucifer #obey me mammon #obey me leviathan #obey me satan #obey me asmodeus #obey me beelzebub #obey me belphegor #obey me diavolo #obey me barbatos #obey me solomon #obey me simeon #obey me luke

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saiyanqueenreads · 2 years

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So, You Just Turned 18/Just Moved Out: Free Financial Advice From a Banker Pt.2

My continuing series on helping those just starting out to get a good grasp on their finances, how banking works, and making informed choices.

**Major changes are in the works currently within the government that may help eliminate many fees at American banks, so while at the time of writing overdraft and NSF fees are common at almost all banks, some may not be around for much longer. But it’s important to know how this kind of thing works regardless!**

What happens when you don’t have $ in your account:

What are my bank options when my account runs dry? Well that depends on your situation. I recommend never spending money you don’t have if at all possible. But if you need to buy food because your fridge is empty and payday isn’t until the end of the week, or need to make rent.... things are clearly complicated. + You can attempt to overdraft. If you’re going to do that you’re going to want to spend all at once, (but try to keep it to within $100-ish of what you had to start with because of the reasons given below), on a debit card for your best chance for success. Don’t make several purchases if you can help it, because the fees you incur are per transaction. The exception to this rule is if your bank has a minimum transaction amount policy for their overdraft fees. (Citizens Bank, Wells Fargo, and Chase, for example, will not charge you for purchases under $5) In that case several tiny transactions can be the smarter idea. + You can use existing credit if you have a credit card or line. Interest not withstanding, spending when no immediate funds are available is basically credit’s JOB... But don’t let yourself fall down the slippery credit-use slope. (We’ll cover that in a later post.) + You can apply for new credit. However, you are unlikely to be granted a credit card or line without money in the bank unless you have substantial collateral such as a valuable vehicle or house, which most people just starting out don’t have. It also takes TIME for new credit to make its way into your hands. (It should be noted that I have never worked in a credit opening capacity and therefore cannot offer much knowledge in this area)

How does overdraft work? When you attempt to spend more money than you currently have in your bank account the bank has the option to essentially decide to ‘loan’ you that extra money. But that loan isn’t free. It comes with an overdraft fee. Most banks charge around $25-$35 for this. So in order to get your account out of the red you have to put in not only the amount the bank let you ‘borrow’, but also that fee.

When can overdraft be useful No one likes getting overdraft fees, but sometimes they’re worth it. Such as paying your rent to avoid eviction or an even bigger late-fee from your landlord, or if you’re at a gas station with an empty tank and just NEED the gas to get home. But banks can be fickle about letting you overdraft (see NSF below) so you can’t reliably count on it.

You can turn off your debit card’s ability to overdraft Some banks allow you to turn off a debit card’s ability to overdraft your account. But you should know that that doesn’t mean your account can’t still become overdrafted. Autopay transactions on the card may still get through because they are not being authorized that day, but were instead pre-authorized months or years earlier when you set up the autopay. Also, payments that are pulled straight from your account using the account number (ACH, wires, ect) wouldn’t be effected, and neither would checks. So turning it off on your debit card may only be worth doing if you find yourself constantly overdrafting because of one time purchases. No point in paying a $35 OD fee for a $6 McD’s late night munchie run... BUT keep in mind that also means it can’t be done in an emergency situation.

The bank’s OTHER option when you've got no $$: NSF Simply put, the bank can basically decide they don’t want to loan you money in the form of overdraft when you try to pay for something you don’t have enough for. They can simply nope out of the situation. However they can still charge you a fee for forcing them to make the attempt and making them say no to the folks on the other side of the transaction who really wanted that $$$. Enter NSF (non-sufficient funds). *NSF are particularly frustrating because a banker won’t really even be able to tell you if a payment will be paid or not ahead of time because the decisions are made using complex algorithms within the bank’s computer systems during overnight processing times. *You’ll most often see NSF on ACH, checks, or wire transactions that would overdraft you by $300 or more, but every bank has different tolerances and every customer has a different threshold that changes constantly because of those complex algorithms. (I’ve seen people not able to overdraft more than $200 before hitting NSFs, and I’ve seen people at -$4,000 before it kicked in.) *Debit cards generally don’t see NSFs because the card itself will either successfully overdraft, or immediatly decline and never actually process the transaction.

#bank things #Banking #adulting #advice for new adults #money

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