united kingdom - Cashing a cheque on behalf of someone

can one person cash a joint cheque

can one person cash a joint cheque - win

WealthSimple Trade Review

Since I received a lot of positive feedback and appreciation about my WealthSimple Cash review I have decided to put a similar one together for WealthSimple Trade. I've been a user of WealthSimple Trade since March 2019 and they have since improved things significantly since the initial stages of this service and it's something I would definitely recommend to others.
PROS:
CONS:
PROMISED / REQUESTED
OTHER IDEAS:
If WealthSimple does decide to offer USD accounts (I think this is their biggest drawback today, and the main reason to have an account with another brokerage), it will have to find some other ways to bring in revenue. Although currency conversion can still be offered as a service (I'm not sure how many Canadians hold a lot of USD to use for trading), they will need to think of others way to charge. I suppose offering real time price data and order books at a cost could be one way. Another would be to develop/offer advanced charting. They could also offer margin loans and earn interest on those, as well as earning interest on cash that is sitting in all the accounts and not invested. Of course they can also use this as a vehicle to promote their other offerings (WealthSimple Invest where they do have a management fee) and they do make some money on the spread of cryptocurrency purchases.
submitted by mosesl81 to PersonalFinanceCanada [link] [comments]

WealthSimple Trade Review

Since I received a lot of positive feedback and appreciation about my WealthSimple Cash review I have decided to put a similar one together for WealthSimple Trade. I've been a user of WealthSimple Trade since March 2019 and they have since improved things significantly since the initial stages of this service and it's something I would definitely recommend to others.
https://preview.redd.it/y9ter9qcno561.jpg?width=1080&format=pjpg&auto=webp&s=33a8dff0d9fb6daee73ab2f5a5992a269154b222
PROS:
CONS:
PROMISED / REQUESTED
OTHER IDEAS:
If WealthSimple does decide to offer USD accounts (I think this is their biggest drawback today, and the main reason to have an account with another brokerage), it will have to find some other ways to bring in revenue. Although currency conversion can still be offered as a service (I'm not sure how many Canadians hold a lot of USD to use for trading), they will need to think of others way to charge. I suppose offering real time price data and order books at a cost could be one way. Another would be to develop/offer advanced charting. They could also offer margin loans and earn interest on those, as well as earning interest on cash that is sitting in all the accounts and not invested. Of course they can also use this as a vehicle to promote their other offerings (WealthSimple Invest where they do have a management fee) and they do make some money on the spread of cryptocurrency purchases.
submitted by mosesl81 to Wealthsimple_Trade [link] [comments]

I am 27 years old and make a joint equivalent salary of $139,000, live in Arlington, VA and work as a Finance Officer

As standard – apologies for the length! I’ve found it quite a cathartic experience, and I seem to have managed to merge elements of the reddit, US and UK R29 templates so please feel free to skip over any boring sections!
Background:
I’m British, working for a British Company in the US on a three-year posting (one year in). My salary is actually £33,000 but due to the increased cost of living here, I get an additional £10,000 allowance for living costs, and my rent/utilities are paid directly by my company. This puts my equivalent salary at $93,000.
I’m aware this is an incredibly fortunate position to be in, especially with COVID, however when I return to the UK, I will be paid my UK salary only, so this is a short-term benefit.
The company can split my pay between my UK and US accounts, and currently 95%ish of it is going to my UK account. This % split was only set up after lockdown as we are currently spending much less on travel/socialising here so are taking the opportunity to focus on building our UK savings. My husband, J, was fortunate enough to get local employment when he arrived in country. He earns an additional $46,000 net which we live on.
For ease/consistency, I have converted all costs at 1.3 as this is roughly the average conversion since I’ve lived here – I will write UK next to any cost/savings that are based in the UK.
Section One: Assets and Debt
J and I (now) combine all our finances, so except for my pension pot, and a small F* Off Fund (FoF - we have one each), everything else is split 50/50. This will likely change when we go back to the UK as we’ll have better access to our own bank accounts.
My personal Net Worth is $72,400
Retirement Balance
UK $104,000
I’ve contributed to work pension schemes since I started working full time age 18. This has been set at around 5% since I joined my current employer 7 years ago, and they contribute around 27%. I’m actually guaranteed £4,000 per year once I retire for as long as I live so have multiplied this by 20 on the assumption the retirement age actually stays at 68 and I make it to my late 80’s. This amount will increase over the years with inflation and as I contribute further to it. I can choose to retire earlier, plus take up to a 25% tax free lump sum on retirement, but that will affect the annual pay-out amount.
Equity
UK $52,000 equity, $157,300 left on the mortgage
J and I bought ($197,600) with just over a 10% ($20,000) deposit 3 years ago aged 24 and contributed half each. I managed to save this as I was living at home until we bought, and J got a help to buy loan through his previous workplace. He’s since cleared this.
Savings account balance
$29,700 made up of:
US $6,700 for fun money here (currently planned for another car – we’ll sell our existing one)
UK $6,500 in premium bonds as my FoF, $13,800 in our joint savings account to upsize when we get back to the UK, $2,600 in one of my side saving accounts as a potential future maternity pot. This is joint but kept in a separate account from the house savings.
Around $22,000 of this has been saved since the beginning of lockdown
Checking account balance
US $120 (+ $1,190 in checking, -$1,070 on AMEX). All our savings accounts are easy access, so we try to keep the balance as low as possible and tend to spend the full amount each month. [We end the week with this back up to $1,559]
UK $660
Credit card debt (and how you accumulated it)
0 – we use our AMEX for our everyday spending, so I’ve included it in our checking account as we usually pay it off each week and use it in place of our checking account. J had CC/loan debt in the UK from the house deposit and wedding which he cleared down before we moved out here.
Student loan debt (for what degree)
0 - neither of us went to University
Anything else that's applicable to you
We paid outright for a second-hand car that is worth around $6,000
Section Two: Income & Further Background
Income Progression:
I started at my current company 7 years ago working as a personal assistant and started on $24,000. I stayed in this role for 2.5 years before promoting into a finance role and onto $31,000. After a year I was temporarily promoted (with pay rise) within my team to a higher finance role and after a further 6 months was permanently promoted into the role and onto $35,750. There’s usually an annual pay rise of around 2%, which I’ve received between each promotion, but as this last promotion pay rise wasn’t as high as usual, my last few annual pay rises have been higher to bring me to my now salary of $43,290. I’ve spent the last three years at the same level, but have changed teams to gain more experience which will be needed for the next promotion which I’ll hopefully be able to get when I return to the UK – this will take me over the $50,000 mark.
Main Job Monthly Take Home:
UK – I get paid once a month, receiving $3,783 after tax, national insurance and pension contributions. This also includes the extra living allowance. $3,510 is paid into my UK account, $273 is paid into the US
US – J gets paid fortnightly, and earns a net salary of $3,546 per month (assuming 2 pay periods per month)
Any Other Monthly Income Here
UK - We receive around $598 per month from tenants in our house in the UK. The letting agents take all management and admin fees directly from the rent before we get paid. This amount can be less if any work needs doing on the property, but again the letting agent will pay directly and just transfer us a reduced amount. We also have to pay tax on any rent received and still need to pay last year’s bill, but we haven’t calculated it yet.
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?:
Not from family. My parents don’t have degrees, and whilst they supported my siblings going, it was our own personal choice. If we didn’t go, we were expected to work full time.
My school did expect me to go. I was in the last school year before UK University tuition went up, so the only advise they could give was to go now as you won’t be able to afford it in the future. I had a place to study events management but turned it down a week before the deadline. Bar sometimes feeling like I missed out on the University life experience (aka. freshers week), I have zero regrets not going.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
My siblings and I were always encouraged to save including contributing to pensions when we started working, and prioritise this and bills over spending our money, but conversations didn’t go much further than that.
What was your first job and why did you get it?:
Weekly paper round from age 12 to 16 which gave me $10 a week to pay for my phone credit and to build savings. I started working part-time in a supermarket from age 16 earning around $250 a month, but this was mainly spent shopping and in the pub!
Did you worry about money growing up?:
No – my parents operated on a “what we do for one, we do for all”, so with a house of five kids, we certainly weren’t living the life of luxury, but we never went without, and it encouraged me to earn some of my own money from an early age.
Do you worry about money now?:
No, J and I are in a really good position and try to make sensible decisions so that we can still cope if our circumstances change.
At what age did you become financially responsible for yourself and do you have a financial safety net?:
Fully when I bought the house and moved out age 24, although I obviously gained the support from J. I’ve always had to use my own money for wants and non-essentials (phone bill, own laptop, “fun” clothes). I was given a few years grace on rent as my parents helped my siblings at Uni, but this stopped when I turned 21. I’ve always bought my own cars/insurance and would contribute to the household, including buying some food and replacing furniture in my room.
Our parents continue to support us anyway they can, which included letting J and I move back in rent free last year whilst we were replacing our kitchen.
Do you or have you ever received passive or inherited income?:
My dad saved around $1,200 from when I was a child which I received aged 18 – this went into savings and then towards my first car and laser eye surgery.
My brothers and I also received $1,950 each from a great aunt when she died, which was a complete surprise (the will was contested so this was several years later). Our much younger half-brother didn’t receive anything, so we split this equally with him. The money left went towards mine and J’s wedding and we also received around $5000 additional from various family members towards our wedding and honeymoon. This was also not expected, and we budgeted not to receive anything, but this was a bonus and it relieved some of the pressure on us to save.
Section Three: Expenses
UK – I auto-transfer $1,170 across various accounts to pay for our UK bills. J & I both kept some bills in our own names to try to maintain our individual UK credit scores as well as our joint one. J’s parents are also looking after our two cats whilst we’re in the US, so we transfer them some money. We’ve discovered our UK entertainment subscriptions work over here so we haven’t cancelled them and pay them from the UK accounts, which is a benefit as they’re usually cheaper.
$910 to our joint account to cover – Mortgage ($986 – includes $130 monthly overpayment), Landlord Insurance ($32), Pet Insurance ($45), our life insurance ($22 – it pains me that the cats cost twice as much as we do. Obviously, they don’t have the NHS covering their medical costs, but they also don’t have a mortgage to pay off….), J’s UK phone bill ($35) – he’s still tied into his contract. The rent income comes into this account so that covers any delta and builds a pot to pay the tax bill. It works out at around $388 per month saved for this. We also pay around ($150) annually to cover IT costs including Microsoft office, McAfee Security and Dropbox storage.
$143 to my bills account to cover – my UK phone bill ($23), a second UK phone bill that I need to cancel as they wouldn’t transfer my existing number to them ($6), Trade Union membership ($19), Netflix ($12), Annual magazine subscription ($19). Any money left over for is for UK online orders and so we have money available when we visit home.
$65 to J’s account to cover – Amazon Prime ($10), Spotify ($20), Audible ($15) and annual Xbox Live ($50)
$52 to J’s parents for the cats.
UK Savings – we have $2,340 to split across the savings. The split varies each month, but as I’ve hit my FoF goal the focus will be on getting J’s to the goal amount and then joint savings.
US – TV, WiFi and Hulu ($131), Phone Bills ($167), Car Insurance ($110), Naked Wines ($40), HelloFresh ($523), Annual Renters Insurance ($152). We currently get Disney+ free with our phones, but this will end soon, and I expect we’ll start paying for it as well.
US Savings – I usually transfer between $500-$1,000 into savings when J gets paid but will vary this based on how much we have left in the checking account from his last pay and what bills are due. We’ll also raid this as needed for big purchases or if we’re running low in on cash in the checking account.
​
Day 1 – Saturday
0900 – I’ve been waking up on and off for a few hours, but the alarm has gone off, so I drag myself out of bed. J and I are booked into a second-hand book sale from between 11 and 12 so we need to actually get out of the house this morning. I tidy up a bit, have a shower and miss a call from my mum whilst I’m in there. I check J is up before calling her back and have a good catch up with her and my Nan.
1115 – We’re a little later than planned, but we make it to the sale. I picked the second slot so that there would still be a good selection of books available and am pleasantly surprised by the amount and overall COVID set up. We spend almost an hour browsing and come away with 15 books between us. $60.01
1210 – We left the apartment without eating breakfast, but there’s a restaurant open next to the sale that we haven’t tried before so we pop in and have a burger each. Discover there’s a cocktail bar underneath and make note to head back and try that soon. $41.92
1600 – J has spent the afternoon building Ikea furniture we bought last week and hiding in the bedroom watching YouTube videos whilst I clean, watch The Haunting of Hill House and drink copious amounts of tea. We bought our car in a bit of a rush when we arrived and to replace his Rightmove house obsession, J spends a lot of his time looking at cars available here. Last week he found an American muscle car that looks in good shape and isn’t extortionate, so in his argument to “buy American, eat American, drive American” whilst we’re here, he’s arranged a visit check it out and test drive it. We’re meant to be there at half past, but we had the wrong address and there’s been an accident so it’s actually an hour’s drive, and we don’t get there until 1715 - Oops. I do not want to like the car, but I’m honestly sold – I knew our current car wasn’t the best, and planned to cope with it for the three years, but this is such an improvement and feels like a fun car to drive on road trips. We arrange to come back next week to buy the car and head back home. Thankfully, the traffic has cleared so it only takes 40mins. We while away the journey by listening to an episode of My Dad Wrote a Porno.
1830 – We stop by Giant to pick up some essentials (loo roll, seltzer, beer, milk) and food for the rest of the weekend. $103.25. I cook pork chops, roast potatoes, asparagus and gravy for dinner, and we spend the evening chilling in front of Netflix with wine before heading to bed at midnight.
Daily total: $205.18
Day 2 – Sunday
0830 – I wake up and sneak out of bed without disturbing J, make myself a cup of tea and settle down to finish off The Haunting of Hill House. J hates scary shows/films, so I try to watch things before he’s up, but he still needs to be in the house otherwise my imagination will go wild. The show finishes and I hear no sign of movement, so I make another cup of tea and discover The Princess Diaries 2 is on freeform so obviously I watch this.
1100 – J gets up and makes us scrambled eggs and smoked salmon for brunch. There was meant to be a bread roll with this, but according to J it had gone off. Silently complain that I didn’t pick up some bagels whilst we were shopping last night. We stick The Office on in the background and binge far too much of it whilst I multitask and convert our savings/bills spreadsheet into $ for the intro to this.
1630 – I had grand plans to spend the day cleaning and assumed J’s mum would do her weekly skype call with us at 3, neither of which has happened, and I only realise this now. I suggest we message some friends to see if they fancy an afternoon pick-me-up, but they are hanging from last night, and I remember I’m doing interviews in the morning so probably not the smartest move. I have a shower, wash and sort my hair out to save time in the morning.
1800 – I get an email reminding me that I have items in my basket on an online order and that they’ve given me 15% off. Seems rude not complete it – J has a quick browse to see if there’s anything he likes but nothing takes his fancy. So it’s just non-wired bras for me and a very cute bee print quilt set. It’s a UK based store so I pay using my UK bank account. $123
1900 – J cooks dinner tonight, a HelloFresh recipe for firecracker meatballs with rice. We stick The Office on in the background, finish the rest of last nights wine and the entire series, getting to bed at half 11.
Daily total: $123
Day 3 – Monday
0630 – Alarm goes off. Ugh. It disturbs J, so I apologise for waking him, hit snooze and repeat 5 minutes later. Rather than getting straight up, I waste half an hour browsing Facebook before washing and getting ready. As an attempt to look semi presentable, I put actual work clothes on, straighten my hair and put on some mascara and powder.
0755 – I make it onto the laptop and do some prep before the interviews. Checking my emails, I spot that I’ve been paid my US pay today. The annual pay rise has come through and there’s a small backdate from last months pay, so I have an additional $127 this month. I clear a few more emails and make a cup of tea before starting the interviews.
1215 – Interviews are done, and as a panel we have discussed and come to a decision. We all need to type up our outcomes for HR, but I take a lunch break before my brain melts. J heats up leftover meatballs and rice from last night and we watch an episode of The Good Place whilst we eat. J’s heading into the office this afternoon so I tidy up, stick the dishwasher on and faff about on reddit before getting back to work at 1. Go straight back into a call with my Line Manager to touch base before he goes on leave – he lets me know he put me forward (and I have been approved) for a bonus for my efforts since joining last year, and the added COVID response. I’m touched and proceed to spend a while mentally spending it. I’m debating between a pair of Louboutin’s and a spin bike…. Slightly different ends of the spectrum I know. Keen to hear any inspiration! It should be around $1000 after tax so reasonably substantial.
1630 – J comes home and attempts to get in, but I appear to have locked him out. I get up, open the door and see that he comes baring this week’s HelloFresh box, which is a relief as I hadn’t seen any delivery emails (we had a few go missing in our apartment block when we started). I have a small break to see how his afternoon has been and reply to some messages with friends about possible Halloween costumes for a small gathering we’re going to. We jokingly consider a group The Office effort, which results in numerous gifs being shared. In a moment of inspiration, J passes me his shirt, tie and blazer to put on… turns out I’m a pretty convincing Sexy Toby. I get changed back into my own clothes and head back to work for a bit.
1930 – J finished work earlier so cooked again. Tonight’s is a HF spicy shrimp pasta. It’s a bit disappointing even with him adding extras from the cupboard. We eat and watch the Umbrella Academy before heading to bed at 11.
Daily total: $0
Day 4 – Tuesday
0730 – alarm goes off, get up, washed, dressed. No interviews today so back to COVID home working uniform of no make-up and trackies. Make a cup of tea and am at my desk for 0830 – in and out of meetings until 10 and spend the rest of the morning trying to catch up on my inbox. J’s headed into the office, so I take the opportunity to listen to the Hamilton soundtrack as I work. Get through the first track before admitting defeat that despite my amazing multitasking skills, I can’t actually sing along and type coherent emails. Settle for the LOTR soundtrack instead.
1215 – make it to lunch and reheat last night’s leftovers (we order HelloFresh for four people for the leftovers, as before we were just ordering in lunch every day). Realise I haven’t physically left the flat for longer than I care to admit, so take my lunch onto the balcony and eat it whilst reading through a money diary on reddit. Remember I have a meeting at 1, so sign back in ten mins before and read through the emails in a vague attempt to sound prepared.
J buys himself and his boss lunch in the office, but his boss will pay him back so $12.17
1900 – long afternoon, managed to start nothing on my actual to-do-list, so feel like I haven’t achieved anything. Yay. J got home half an hour ago (I didn’t lock him out today!) and switched the oven on as he walked past, so I take the opportunity to get up and cook once it’s done preheating. Pork tenderloin with coleslaw and mash tonight. It comes with a cherry jam sauce which I’m not the biggest fan of, so I make it into a fruity gravy. It takes longer to cook than I planned, and I can feel myself getting more and more annoyed with everything from a general mix of feeling stressed and hangry. J sticks toy story 4 on as we eat which doesn’t help my mood (as let’s face it, it’s the worst one). Our friends message asking if we’re watching the debates – J had planned to but had forgotten so quickly changes over to watch it. I have no words.
We make plans to watch the next debate in a group with alcohol, debate bingo and the next day booked off work to recover.
Head to bed at 1120 – still waste time on Facebook despite being shattered.
Daily total: $12.17
Day 5 – Wednesday
0830 – Alarm goes off. I didn’t get to sleep up until 12.30 and J disturbed me at 1.30 when he came to bed so extra sleep was needed. I check my phone, message my stepsister a happy birthday and stick on my dressing gown to make sure I’m online for my 9am meeting. Thankfully, no one has an update, so the meeting is cancelled, and I have time to shower and put clothes on before I properly start work.
1230 – Lunchtime. I have the remaining shrimp pasta and J makes a BBQ chicken sandwich with other leftovers in the fridge and we stick on another episode of The Good Place whilst we eat. We finish up, work for an hour and then drive into the office. J needs to stay in for a while, but I’m only in to sign a cheque so I take the opportunity to walk back home. It’s a glorious sunny day, but with a nice breeze so it’s an enjoyable walk until I’m almost back at the flat and have to walk up a hill and then 5 flights of stairs. It’s a fast reminder of just how unfit I am, and I have to have a quick lie down to recovecool down before getting back to work.
1730 – J and I have plans to meet up with our friends K and J(.2) tonight. In an act of attempting to keep some form of sanity, J and J.2 are heading out to a bar for a “Gentleman’s Club” and I’m heading round to K & J.2’s flat for wine and chick flicks. J gets home from work, kisses me hi and bye and heads straight back out. K’s getting her hair cut, so I continue working until half 6 before walking up to her apartment. I make a pit stop on route to pick up a bottle of white wine as she’s running low. The card machines are down so it’s cash only – I have a mild panic, but thankfully I find some notes in my purse - although I’m pretty sure I withdrew them pre-lockdown! $17
0200 – After a night of homemade mac’n’cheese, wine, films and putting the world to rights, I get ready to head home just as J.2 stumbles back into the flat. It’s lovely to see him, but the state he’s in makes me a bit concerned about what J is going to be like when I get home. Thankfully, when I make it back and he’s already curled up on his own side of the bed, passed out and lightly snoring away. I take off my makeup, do my teeth, get into bed and fall straight asleep.
*I’ve checked the banking app and J spent $50.50 on food and drink. The “club” made their way to our apartment around 9pm and worked their way through our booze which explains the low spend but high drunkenness.
Daily total: $67.50
Day 6 – Thursday
0700 – J’s alarm goes off. He rarely sets alarms and has an amazing ability to sleep though them, so I kick him awake to switch it off. He hits snooze rather than switching it off, so I wake up again 5mins later. Ugh. He actually manages to switch it off the second time.
0830 – My alarm goes off. I’m tired and thirsty, but other than that feeling pretty ok. J is not and I leave him snoozing in bed as I start work. It’s a slow morning (thankfully) and I periodically check on J to see if he’s feeling any better. General consensus is no. The leftovers in the house are not hangover friendly so we put in an order with Panera Bread. $32.25. J has a choose two, but I brought home some mac’n’cheese from last night so just order some crisps and a smoothie to go with it. It takes longer than expected to arrive, but it means a 1230 lunch in front of The Good Place. We finish and go back to work, J heads into the office again.
1400 – I’ve struggled to get back into the swing of things, and as there haven’t been too many emails coming in I take the opportunity to have a break and lie down on the bed (I work flexi hours and have a very high balance so this is done guilt-free). This lie down turns into an hour-long nap and I wake up feeling better, but still while away some time on reddit before deciding to make it back to work at 4.
1920 – J messaged to say he’s on his way back and I’ve already heated the oven, so I finish for the night and start making dinner. Tonight’s HF menu is a creamy lemon butter chicken with courgette and giant couscous. It’s reasonably simple to make, but one of our favourites. I multitask and clean down the kitchen as I go.
2000 – Dinner is eaten, J has made us a cup of tea and we’re settled back into The Good Place. Yesterday was payday into my UK account so I log into the internet banking and transfer to the savings accounts (the bill transfers are set up to auto-transfer on the 1st). $1,170 to J’s savings so he’s now at his FoF goal, $650 to the maternity pot, and $780 to the joint savings. The annual renter’s insurance has also come out of our US checking account today, but that’s counted in the expenses. We both head to bed at 11.
Daily total: $32.25
Day 7 – Friday
0730 – J’s alarm goes off, he’s heading back into the office this morning so it’s valid today and we both actually wake up for it. We both chill on our phones until my alarm goes off at 0830. Up, washed, dressed and on the laptop in time for my 9am meeting. I’m closing off last months accounts and updating forecasts so get stuck into multiple spreadsheets.
1440 – I’d gotten into a good rhythm with the updates, and without J here, I hadn’t realised the time, so I only stop now for lunch. It’s last nights leftovers so couscous and chicken, plus an apple left over from J’s Panera order yesterday. J didn’t take anything in so has stopped by Safeway $14.13 and the work café $9.48. I get the figures from the banking app and realise J has been paid – win. I have an hour break and head back online.
2020 – I’ve been in the swing of things today. It’s a long winded, but simple task so I’ve had Greys Anatomy on in the background as I work. I’d normally have left some of it until Monday, but I have a few urgent requests in today that need the updated figures so it made sense to get it all cleared – it’s also quite therapeutic so feels like a nice way to end the week . J and I have plans to see friends tomorrow, so I don’t feel too bad about not having plans for a Friday night and working for most of it instead. Still, we make the most of it being payday and order in some Steak Frites for dinner and I treat myself to a chocolate cake slice as well. $80.25. We spend the rest of the evening relaxing, finish watching The Good Place (a very emotional finale) and make it into bed for half 11.
Daily total: $103.86
​
Total Expenditure: $543.96
Food & Drink: $257.70
Groceries: $103.25
Clothes/Home: $123.00
Other: $60.01
​
Lastly, reflect on your diary!
This is a pretty average week for us during COVID. We usually go out drinking over every other weekend, but that extra spending would balance out with the home/other expenditure as I try to make sure we spread our spending out. The AMEX balance is a bit higher than the usual weekly amount as J and I both ordered a trunk club a few weeks and kept a few of the clothes but the system errored which delayed us processing our returns (and them billing us). As we’ll looking to buy the car soon, it also feels like a better decision to leave the balance on the card and keep more cash available – I’m not concerned as we’re only just into the new credit statement period and J’s will get an extra pay period this month which will clear it.
Pre-COVID, this is actually lower than our weekly spend, as we also had most of my salary coming into the US account as well and were spending most of it socialising, travelling and just enjoying living in a city. If we had to, we could cut our costs and save a lot more, but we’re here to enjoy ourselves and so long as we can eat and pay the mortgage, we’re happy. We’ve also already reached our total savings goal for our time out here, so anything extra is a bonus.
submitted by CurrentAttention3 to MoneyDiariesACTIVE [link] [comments]

Hindsight is 2020: #35 - The Chamber of 32 Doors

from The Lamb Lies Down on Broadway, 1974
Listen to it here!
At the top of the stairs he finds a chamber. It is almost a hemisphere with a great many doors all the way round its circumference. There is a large crowd, huddled in various groups. From the shouting, he learns that there are thirty-two doors, but only one that leads out.
1) What a wail of a guitar solo to kick off the song, eh? Guitar solos in any song are typically reserved for the bridge, or perhaps as a way to end something on an epic feel. Though I suppose you could also be like Pendragon and just solo for 75% of your song, including steamrolling right over the vocals when they come back in because who cares about vocals it’s a guitar solo woooooo!
2) Seriously, I’m not kidding. Literally three quarters of the song. And it works!
3) But I digress. My point is it’s unusual at the very least to stick your big guitar solo right at the very front of the song, but, well, Genesis are something of an unusual band, aren’t they? What’s more, there’s a lot of space in this solo. It’s backed by some orchestral sounding chords, yes, but this isn’t a band jam with the guitar taking the lead. It’s just a moaning guitar in an echoing room, sustaining a cry before a big smash of sound, like it was “Fly on a Windshield, Jr.” or something. Super strong.
4) If you, like me, can’t get enough of the intro to this song, why not check out Steve’s updated version from Genesis Revisited II? It’s the same, except, you know, better. Expanded and made somehow even more impactful. He knew it too, which is why he placed the track as the album opener.
Steve: I wanted to set it up with more guitar work like this. Nylon, acoustic guitar...After the orchestra kick in, [I perform] the electric stuff with much more control than I had back in the early days....I always thought the original was good, but I always wanted to improve on the guitar work. 1
5) Anyway, we’re getting off track again. From the guitar solo the “proper” song begins and it’s already a vocal treat. Here’s Peter and Phil singing in perfect, subtle harmony. Not a doubling up like “Harold the Barrel” but more like “What if ‘Harlequin’ was in tune?” It’s a groovy little jam, but that harmonized vocal gives it an eerie kind of edge. Almost like, say, echoing in a big chamber?
Steve: What must have been obvious even to the deaf was the fact that both [Phil] and Pete had such similar and sympathetic voices that when they were singing together it sounded like doubletracking. Wonderful harmonies [too], on tunes like “The Chamber of 32 Doors”... 2
6) Wait, obvious to the deaf? I get what you’re trying to say here Steve, and I appreciate the enthusiasm, but, like, this is the one thing that absolutely would not be obvious to the deaf, you know? I don’t mean to be the idiom police or anything, but this might be one exaggeration too far.
7) Oops, getting off track yet again. Terribly sorry about that. Back to the verses. See, the verses aren’t really straightforward here. You’ve got the bouncy bit with the Pete and Phil harmonies like I talked about, but from there the bottom drops out again. You’re back in this empty expanse of a room, but now instead of a guitar solo filling the space, it’s just Phil with a really sleepy rhythm section.
8) Well OK, Steve’s there too droning a little bit in the background. At least, I think that’s Steve. It could be Tony. So often they’re disguising their playing somehow to sound like the other one that it can be hard to really know. I can’t find video footage of Genesis playing the song live, but ah wait! Here’s Steve’s band in concert instead. Ah, looks like both Steve and his keyboardist are playing during this section. Likely then that Genesis had the same arrangement. Glad we figured that one out!
9) Uh, where was I? Oh! The stark second bit of the verse. So that happens, really making you feel the overwhelming space and loneliness of the titular Chamber, right? And, though it’s not delivered quite as emotively as I’d hope for in the studio version, the line “I need someone to believe in, someone to trust” is quite the heart-tugger, isn’t it? We’ve all been there at some point or another, I’m sure. Strange area, strange people, nothing familiar, in desperate need of aid but too afraid and vulnerable to seek it out amongst the crowd. This is relatable stuff.
10) I remember one time, I was going to a...wait, hang on. No...no, that wasn’t me.
11) But this other time, I was...was I? Y...eah….yeah, I’m sure this one was me. So I was in Germany, and suffice it to say that’s not my home country. But I was wearing a denim jacket, and I guess at the time that was, like, German Fashion 101. So everyone I’d see in Germany thought I was German, even though I wasn’t, see? This became something of an issue when I needed to go to a bank to deal with some hangups surrounding my (perfectly valid, thankyouverymuch) traveler’s cheques. See, debit cards weren’t quite as ubiquitous then, and I didn’t have one yet, but traveler’s cheques were also starting to get phased out, so a lot of banks wouldn’t cash them in.
Anyway, I go into this bank and the teller quite happily greeted me with a smile and a friendly “Guten Tag!” I Gutened his Tag right back, before following with my own cheery “Sprechen Sie Englisch?” Folks, this man’s smile didn’t falter even SLIGHTLY as he gave his reply with a joyous little lilt: “Nein.” I tried to wave these cheques around to get it figured out, but he just kept on smiling, shook his head, and returned to his work. At that moment, man, I really needed someone to trust.
12) RIGHT, RAEL. I’m so sorry that this keeps happening. I’ll try to stay focused, all right? We’re up to the chorus now, yeah? That sounds right. OK, so, the chorus: haystacks and straw hats, am I right?
Steve: It’s as if you’ve got these classical influences in rock, and then it gets into a chorus that sounds almost like - well, reflecting the lyric - country music. So if you trust the country man rather than the town man, I can understand why. 1
13) Steve’s right, it does sound pretty country here. Not that I’m a particular fan of country music, but in college I worked summers for a local contracting firm, and among the regular employees there, country was king. You almost couldn’t go to a job site without the radios blaring the stuff. Then, after a few years I left that summer job for a different one, hired to serve as restaurant staff for a 50s throwback joint. I was really looking forward to it, as much as one could reasonably look forward to a summer job flipping burgers. Classic rock, sharp uniform, an upside-down paper boat on my head? Sounds great! Of course, first day on the job I show up and they say they screwed something up with the paperwork and the place I’m about to work at has actually just been converted to a celebration of all things country-western, including a 30 song playlist of modern country hits set on continuous loop for the entire summer. I envied those burgers and the sweet release they got to experience of melting on a grill.
14) So...uh, what was my point again?
15) Oh! Right! It’s that I agree that the chorus of “Chamber of 32 Doors” sounds kinda country, and I should really know, even though I wouldn’t mind never hearing another country song as long as I live. But the addition of piano gives it a saloon kind of vibe, which is a nice little flavor, and the percussive chimes ringing out like mission bells puts the whole thing firmly into “old west” country instead of the sort of stuff you’d see on music videos featured on a channel like Great American Country.
16) Well, I say that, but has anyone else noticed that every TV channel is gradually being taken over by shows about people buying houses? What’s with that? Like, take the aforementioned Great American Country. That’s a channel that was formed with the express purpose of playing country music videos, right? Here’s their current programming lineup:
That’s thirteen shows and by my count TEN of them are about people buying houses in some way. Only two pertain in any way to country music. What’s happening? I’ll tell you what’s happening: the country men are turning into town men, that’s what’s happening. They’ve abandoned their fields to go look for bargains on the lake.
17) How is there such a big market for this stuff, anyway? Who is sitting there for hours on end watching people with unreasonable budgets buy real estate? I go to my doctor’s office and there’s HGTV on the television, playing another endless marathon of people fixing up houses. Who on earth watches this stuff?
18) My wife, that’s who.
19) I just...hold up. We’re way off course again, aren’t we? How does this keep happening? I’m trying to work toward the end of the song and the post, honestly. It’s just difficult. There’s just so many paths I could take this thing, you know? How do I know which one is the right one to develop?
20, 21, 22, 23) Like, see? Four more doors right there.
24) But OK, OK. So after talking about who he’d like to trust, we return sonically to that same echoing room again. Sparse sounds again, a mourning cry, and one of my favorite moments of the song: the blending of Pete’s sustained note on the word “through” into the return of the dramatic guitar. Man, what a sound. Where does Pete stop and the guitar begin? The world may never know.
25) And then we’re off again into another verse, with renewed energy and a sense of purpose. Go on, breathe that in. It’s a refreshing puff of clarity amidst the confusion. There’s momentum, there’s detailed observation, there’s active thought. It’s weird to say that the most profound bit of a piece could be something as mundane as the start of its second verse, but in a way, that’s what’s happening here. Rael has just finished singing the line “Every single door that I walk through leads me back again,” and then boom, here he is, back where he started. Same room, same feel, but he’s seeing different people, presumably because he arrived from a different angle. In that way, the song’s structure is the chamber itself.
26) Of course, then there’s another half-verse that descends straight back into indecision and uncertainty. But that’s still on brand: it’s another door entered, another winding passage to destinations unknown, another retreat into lonely despair. Can’t trust anyone, so just pick a route and go where it takes you. Hope it’s out of this daggone room.
27) Hey, speaking of priests and magicians, this whole chamber concept is so interesting that I reused it for...well, do any of you guys play Dungeons and Dragons? Nerdy a bit, I know, but then again we’re all sitting around on a Genesis forum so throwing stones in glass houses and all that. Anyway, I designed an entire dungeon around The Lamb Lies Down on Broadway, and The Chamber of 32 Doors was the centerpiece room of the whole thing. Which meant, naturally, designing 32 passages and rooms off it. Well, maybe a little less; see, I cheated a bit and had a few of the doors lead to passages which would wind back and exit through other doors, returning you to the chamber itself. The other ones were all dead ends, save the entrance and “correct” exit.
28) But what was challenging, and also the most fun part of the exercise, was that DnD is a game played over a text medium. Even in the ideal setting of playing in person with a group of friends, rooms are still (other than perhaps some abstractions on a piece of grid paper) just text descriptions orated to the players, allowing their minds to imagine the scenes from there. This meant that I needed each of the doors to be distinct in some way, both to draw the players’ attention and also to help keep them straight in my own head. Sometimes they’d even inform the encounters beyond. So it wasn't just the passages and rooms, but also 32 doors that themselves needed to be unique and interesting, and I think I pulled it off. I was really proud of that dungeon, which is a really unusual sentence out of context.
29) Unfortunately, at some point when transferring the file with the entire dungeon on it (layout, encounters, maps, everything) over to a new computer, I somehow inadvertently deleted the entire thing, and it’s unrecoverable. I was devastated. I put hours into that thing and was eagerly looking forward to running it with a group at some point, but it’s nothing but silent sorrow for me, I guess.
30) I’d give you all of my dreams if you’d help meeeeeeeeeeeeeeeeeeeee
31) Huh? Who? Oh, Lilith? That’s a nice name. Say, you ever played DnD?
32) Let’s hear it from the band!
Steve: Originally recorded at Headley Grange, written there, a little bit recorded there...Island Studios down the line. One of the best songs, I think, from The Lamb. Unfortunately Peter Gabriel’s swan song with the band. I think his work on it was exceptional, of course. Pete wrote all of the lyrics and the story; the rest of us were really doing the music. It’s a very strange track. 1
1. Steve Hackett, 2020
2. Genesis: Chapter & Verse
submitted by LordChozo to Genesis [link] [comments]

Relationships and Addiction

Is it even possible to have a relationship with an addict?
My (F32) partner (M46) is a cocaine addict. Has been for decades but he hides it exceptionally well. We've been in a relationship for 6 years but we've only lived together for 2.
When we first started seeing one another, I wouldn't turn down a line or two if it was offered to me at a party. Typically just twice or three times a year and occasionally indulge in an edible or joint. Weed is legal where I live. Cocaine is not.
When we lived separately I never really noticed that he was using cocaine daily, hundreds of dollars worth because we would go entire weeks some times months just talking on the phone without seeing one another. At the time I traveled for my work and would spend tonnes of time in hotels.
It wasn't until we tried living together the first time that I noticed that it was an actual problem. We were constantly broke, and exclusively living off of my money. And no matter how tight I made the budget, how little I spent, there was never enough money for anything extra like going to the movies or eating out. I basically started working myself to the bone to try to make ends meet and it seemed like he was too. But even with more money, we still struggled. It wasn't until I had some friends over one evening for drinks that it all came to a head. A family friend of his came to the house screaming that my partner had talked her elderly mother into cashing out her monthly pension and giving it to him so he could pay for his "medication". He left her with 40 dollars in her account. I e-transfered what I had in my savings account to this poor woman who was shaking and crying as her daughter basically held me and my friends hostage in my own home because my partner had basically robbed her mother.
I was horrified and humiliated. Some of the girls I had over don't even speak to me anymore. We broke up for 6 months after that. I only came back because he promised he was in CA and in recovery.
The rest of the story goes the same. In 3 to 6 month cycles. We would try to live together, his addiction would take over again and again and I would move out and then back in after he sobered up and was clean for 6 months. This last time we've been together two years, I thought things were going well. We were living in a nice place, consistently paying rent and our bills. And then a co-worker asked me to be careful because he'd seen my partner talking to a guy that used to sell drugs to his daughter.
I confronted him, we had a huge fight. He spent a huge part of the time gaslighting me, accusing me of cheating on him with my 65 year old grandfatherly co-worker, threatening to kill himself before finally breaking down and admitting that he'd never actually been clean and sober. In the 6 years, he'd just been doing cash jobs, lying about his work hours and skimming his child support payments and using about 80 dollars a day.
All that aside, he's actually a good person. He always has my back, he looks after me when I'm sick, waits on me hand and foot. He's the funniest person I know, he laughs at all my jokes and I've never been so comfortable around another person. He's a fantastic father, patient and loving. He's a stray animal magnet, we can't go for a walk without him making a new friend. His dad cried when I told him I was calling it quits, told me he loved me as a daughter and any money his son was stealing, he would write me a cheque double so I wouldn't have to worry. My father who has also struggled with addiction his entire life wants me to be patient and support my partner the way my mother trusted and supported him.
I should mention that I've been almost totally sober except for a glass of wine at family dinners for years to support his sobriety and have put a side a good chunk of our bi-weekly budget for marijuana for him since we went to a doctor who specialised in addiction who swore up and down that weed would lessen his dependence on cocaine. Now it just feels like I'm paying 200 bi-weekly on legal drugs while he spends another 80 dollars a day on top of that for cocaine.
How do I do this? Is it even possible to have a functional, healthy relationship? My parents were successful, my father is living a happy sober life with my mother. I don't know how to do this. I've tried monitoring everything. He literally gets his cheque, drives to the bank, pays his child support, transfers me almost every dime except ten dollars for service fees and he stills finds ways to lie and steal for drugs. Hours ago I asked to see his banking app and he instantly went squirrelly. I kept pushing and found he had somehow hidden 100 dollars, withdrawn it to cash and used it. And that's only 24 hours since I last checked his account. How do I stay a head of him? The mental math and being his personal warden is killing my sex drive and attraction to him.
TLDR: My partner is addicted to drugs, has been the entire relationship but is actually a good person who I love and would love to see get better but I'm losing faith that it's even possible.
submitted by ZeppelinRose to relationship_advice [link] [comments]

Intestate death and bad PR 1990s

Could someone please help me with the following?
I am from Northern Ireland
I wish to get (casual) legal advice about the disposal of my father's assets after his death in 1992. Notwithstanding the uncomfortable fact that the issue goes back to 1993.
I know the individual who acted as PR but my only too recent investigation has uncovered it would appear that the individual posed as a Solicitors company.
I have recently uncovered death benefit payouts to an apparently bogus Solicitors company in 1993. I have checked and there was no probate or letters of administration. (Property joint owned and death benefit payments only? So I think that can happen?) A POA letter was signed by my mother in 1993 in our council home, while the home my mother should have owned lay empty. However, the letter was never registered with the court of protection and was unwitnessed except by myself and I was 17 years old. NO RECORDS ANYWHERE which suits him I believe allegedly etc etc
The fact is that the alleged firm was never regulated by the Law Society of NI and Scotland's Law society has confirmed the same. I am awaiting the SRA's response in respect of England and Wales.
It would appear that the solicitor's firm had been set up or named solely to receive the monies. Approximately £91000 in 3x cheques. Paid to the allegedly unlicensed Solicitors firm in July 1993.
I am awaiting from LPS the folio and change of ownership documents from the sale of the house in 1994 to ascertain the value there. Probably £50000+ The mortgage was covered upon my father's death and paid off in 1993.
The personal representative paid my mother £15000 in cash about 1994-5 and said this was from the sale of the house. I thought that to pay in cash is highly irregular.
We never knew anything about the 3x insurance death benefit payments.
Taking this payout into consideration and from what I have uncovered, not what the representative has ever disclosed, the approximate value of the house in 1994 means that my father would have had liabilities in access of £120000. This, if the personal representative acted appropriately. No proper disclosure of assets and liabilities has ever been forthcoming.
I would add that I am trying, unsuccessfully, to find a way around the need to send a letter, under the administration of estates NI act 1979, compelling the personal representative to disclose all assets and liabilities. They are an extended family member. There are people close to him who I care about and the family dynamic is a concern.
But it may be my only course. This according to the BarofNI who in 2015 drafted the letter and advised that if the response is unsatisfactory or there is no response to contact a solicitor. He said he would offer an opinion to legal aid. That advice still stands as instructed in 2015 even with the recent knowledge of payouts and the unregulated solicitor's firm.
In the last few weeks after making an initial report the police have informed me that this is a civil matter and requires a solicitor.
I'm having trouble getting anywhere with the police who refer me to solicitors who have in turn said similar ( just one response mind you) "We don't propose to offer any opinion on your case. Is this not a matter for you to refer to the police for investigation?" I really feel like giving up.
Perhaps I need to follow the advice from the barrister but for sure the PR's response will be have no records, can't remember 27 years have passed. Go away, your family lost I win.
Without knowing my father's liabilities I'm lost at sea.
Also another problem mum in care, no enduring power of attorney as we thought there were no assets. The good thing she doesn't care about this anymore.
Can anyone advise? This situation will either lead to me losing my mind or becoming the most Zen person I know.
Thanks,
Talking is good
submitted by Natural_Elevator_856 to LegalAdviceUK [link] [comments]

History rhymes, thank God we now have Bitcoin

This is such a well written and researched piece of Alasdair I can only humble copy paste it, enjoy:
Get ready because unprecedented wealth destruction is coming.
July 9 (King World News) – Alasdair Macleod: So far, the current economic situation, together with the response by major governments, compares with the run-in to the depression of the 1930s. Yet to come in the repetitious credit cycle is the collapse in financial asset values and a banking crisis.
When the scale of the banking crisis is known the scale of monetary inflation involved will become more obvious. But in the politics of it, Trump is being set up as the equivalent of Herbert Hoover, and presumably Joe Biden, if he is well advised, will soon campaign as a latter-day Roosevelt. In Britain, Boris Johnson has already called for a modern “new deal”, and in his “Hundred Days” his Chancellor is delivering it.
In the thirties, prices fell, only offset by the dollar’s devaluation in January 1934. This time, monetary inflation knows no limit. The wealth destruction through monetary inflation will be an added burden to contend with compared with the situation ninety years ago.
Introduction Boris Johnson recently compared his reconstruction plan with Franklin D Roosevelt’s New Deal. Such is the myth of FDR and his new deal that even libertarian Boris now invokes them. Unless he is just being political, he shows he knows little about the economic situation that led to the depression.
It would not be unusual, even for a libertarian politician. FDR is immensely popular with the inflationists who overwhelmingly wrote the economic history of the depression era. In fact, FDR was not the first “something must be done” American president, a policy which started with his predecessor, Herbert Hoover. But the story told is that FDR took over from heartless Hoover who had failed to step in and rescue the economy from a free-market catastrophe, by standing back and letting events take their course instead. Nothing is further from the truth: Hoover was an interventionist to his fingertips. The last of the laissez-faire presidents was Calvin Coolidge, Hoover’s predecessor.
A few years ago, the BBC broadcast a programme extolling the virtues of FDR and his new deal. Stephanie Flanders, at that time the BBC’s economics correspondent, reiterated the myth about Hoover being a non-interventionist and FDR having all the correct reflationary policies. In a piece to camera at the Hoover Dam, no less, she recounted how it was an example of FDR’s new deal stimulus. While it wasn’t completed until 1936, building started in 1931 as a project by the eponymous Hoover, pursuing the same interventionist policies as FDR before FDR’s landslide election. It was never FDR’s project, the clue being in the dam’s name. Research by Flanders and the BBC was either biased, deficient, blind or all three.
The myth that has even drawn in Boris is so powerful it has intelligent people swearing the earth is flat. The FDR fairy-story is fundamental to the modern state’s interventionist stance; the very reason for its existence and its welfare commitments to the electorate. Wishful thinking about FDR’s pioneering role is now the pervasive theology. But the way the world is viewed cannot change the facts, and to quote FDR and his new deal as the template for economic policy is to repeat the errors that led to the longest and deepest depression in American history.
If in a few words one was to sum up why the state fails in its interventionist quest, it would be its inability to understand change. Free markets change all the time. Businesses and whole industries evolve and disappear in a natural process of selection driven by the consumer. The state’s response to a crisis is always aimed at a return to normality; normality being an unchanged state from before the crisis. The state protects yesterday’s jobs and yesterday’s businesses. Worse, by preventing evolutionary change at the heart of a dynamic economy it deprives it of the resources required to evolve. And that’s why the depression lasted into the Second World War.
The back-story to the depression
Before Hoover, US presidents understood a hands-off policy would let the economy rapidly fix itself. The post-war 1920—1921 depression in America was allowed to run its course. It lasted just eighteen months and was the prelude to a period of technological revolution that gave enormous benefits in the quality of life for all Americans. Following President Harding’s death in 1923, Coolidge was elected the new president. While Coolidge enforced a strict laissez-faire policy, he was either unaware of or ignored the monetary policies of Benjamin Strong at the Fed, which, to be fair to Coolidge, was only a decade old. The Fed’s monetary policy was the cause of an inflationary boom which ended in a stockmarket bubble in 1929.
In 1927, Coolidge announced he would not be standing for a second term, and Herbert Hoover was elected President in 1928 nearly a year before the stock market crisis occurred.
Fuelled by a free market approach and the stimulus of unbacked credit, when Hoover took office in March 1929 the economy was, in the epithet of historians, roaring. We can now begin our comparison with the present day. Boris Johnson became Prime Minister after a similar inflation-fuelled period; but the more important correlation is with Republican Donald Trump, whose interventionist policies imitate Hoover’s from his time as Secretary of Commerce in Harding’s administration onwards. Hoover deported immigrants and Trump builds a wall, both reasoning they take American jobs. And like Hoover, Trump uses tariffs to protect farmers and businesses from foreign competition deemed unfair.
The combination of a massive credit expansion in the 1920s and the Smoot-Hawley Tariff Act passed by congress in October 1929 — the month of the Wall Street Crash — serves as a template for the condition of America’s economy today. Apart from some differences in timing, the most significant difference is in the money. Before April 1933 the dollar was freely exchangeable by the public for gold at $20.67 to the ounce; today the dollar is unbacked. Prices were stable, today they rise.
By passing the Smoot-Hawley Act at the top of the credit cycle, Congress ensured a sharp downturn in the economic outlook, persuading bankers to call in their loans. The economy began to contract, and interventionist Hoover went to work. To quote from his memoires;
“…the primary question at once arose as to whether the President and the Federal government should undertake to investigate and remedy the evils… No President before had ever believed that there was a governmental responsibility in such cases. No matter what the urging on previous occasions, Presidents steadfastly had maintained that the Federal government was apart from such eruptions . . . therefore, we had to pioneer a new field.”
Hoover called a series of White House conferences with industry leaders and bankers to persuade them to invest and maintain wages in order to keep consumer spending going. Like the neo-Keynesians of today, Hoover believed consumer spending was vital for the economy, but failed to make the connection with production, which is always first in temporal order, and provides the product for consumption without which it cannot happen. Hoover’s view on maintaining wages is reflected today in minimum wage rates, which innocuous though they may seem render certain activities uneconomic.
As is the case today, the Fed was ready to inflate. According to Murray Rothbard, the Fed “…was just as ready to try to cure the depression by inflating further. It stepped in immediately to expand credit and bolster shaky financial positions. In an act unprecedented in its history, the Federal Reserve moved in during the week of the crash—the final week of October—and in that brief period added almost $300 million to the reserves of the nation’s banks. During that week, the Federal Reserve doubled its holdings of government securities, adding over $150 million to reserves, and it discounted about $200 million more for member banks.”
Monetary policy was a doppelganger for the Fed’s policies today. In today’s money, $300 million is about $26bn, using gold as the conversion factor. Today’s stimulus is a thousand times greater in real terms — so far.
In 1932 Roosevelt won a landslide against Hoover, and as was the custom at the time he took office the following March. Only a week before, an assassination attempt on Roosevelt struck the wrong man who died shortly afterwards. Banks were failing. Farmers were in revolt. The numbers of unemployed were increasing alarmingly. Hoover’s reflationary policies had failed, and he was said to be the least popular man in America on inauguration day. Fast-forward eighty-eight years and we see President Trump following in Hoover’s footsteps in this election year; and we can be pretty sure Joe Biden — if he is not asleep at the wheel — will cast himself as the new FDR with his version of the new deal.
Roosevelt then delivered his inaugural address, which included the famous line, “So, first of all, let me assert my firm belief that the only thing we have to fear is fear itself.” His speech was followed by the Hundred Days, the first time a president had set such a schedule. In Britain, Rishi Sunak, the new Chancellor, is now pursuing his version of a Hundred Days announcing subsidies and new support as the occasion demands, financed by monetary inflation. Admittedly Sunak remains a free marketeer but has yet to prove his measures are temporary. Meanwhile, President Trump is destroying his administration’s finances in an attempt to contain the economic fallout from the coronavirus in his election year.
They say that repeating a failed action in search of a different outcome is a sign of madness. Hoover and Roosevelt were pioneers of today’s failed economic policies and it is their post-war successors who are arguably certifiable. But the problem is deeper than that, with the public voting for the same failed policies, so even an economically literate politician has to deliver solutions in that context. It is what makes history repetitious. Instead of economics, psychological factors drive politics, including the public desire for the state to provide easy solutions to economic and personal difficulties. But the lesson from the Hoover era is that we stand on the precipice of an economic collapse as a result of a combination of excessive credit creation in the years before and the introduction of trade tariffs. And that was before the coronavirus was added to this lethal mix.
The psychology suggests that this time the politicians and the monetary authorities will pursue much the same course as before, even more aggressively. So far, the evidence supports this thesis, and it allows us to anticipate mistakes yet to be made.
The credit cycle and the banks A notable feature of the Wall Street crash and the onset of the depression were bank failures. Not only had the 24,000 American commercial banks extended unbacked credit throughout the 1920s, but their reserves were to an extent, fictitious. This arose from double counting cheques in the process of clearing, remaining in the cash reserves of the bank upon which it was drawn while being immediately credited to the receiving bank’s cash reserves.
But when the public began to withdraw cash in increasing amounts this false liquidity was exposed. The initial banking panic began in November 1930 in Tennessee when a correspondent network in Nashville collapsed after the Bank of Tennessee closed its doors, forcing over 100 institutions to suspend operations. And as the contraction in bank credit continued, additional correspondent systems imploded. That was only the start of it. The Bank of the United States in New York in December was followed by a new banking crisis in Chicago the following June, this time involving real estate. In 1932 over 2,000 banks closed, and in 1933 a further 4,000.[iii]
The banking scene is very different today. Instead of many thousands of small one and two-branch banks the system is dominated by large international behemoths, global systemically important banks — the G-SIBs. They operate under the rules and regulations of the Basel Committee, currently Basel III, administered by national regulators.
Aping the crookery of double-counting floating cheques, today’s banks game the system, this time aided and abetted by the regulators, who, so long as the forms are correctly filed, are happy to look the other way. Indeed, as their stress tests have shown they would rather gloss over the issue of inadequate capitalisation. The full weakness of the global banking system is illustrated in Figure 1, which shows the leverage between total assets on the G-SIB balance sheets and their market capitalisation. The regulators persist in using the relationship between total assets and balance sheet equity instead, despite the market valuing a typical bank’s equity at considerably less than book value. 
Bank equity valuations on 8 July have benefited from the liquidity-driven rally in global stock markets, with Deutsche Bank’s shares, for example, almost doubling from a low of €4.50 in mid-March. The recovery is not a sign of new-found strength but merely reflects the severe disconnection between rising financial asset values and a collapsing economy, which will almost certainly lead to a substantial adjustment to the detriment of financial asset values.
The full weaknesses of the current system are described in a paper on the big UK banks, jointly authored by Dean Buckner and Kevin Dowd. Figure 1 was constructed using the methodology in that paper. It is a strongly recommended read for anyone seeking to understand the severe risks associated with not just the UK banking system, but the G-SIBs in all jurisdictions plus other significant banks not on the G-SIB list.
With a fundamentally weak global banking system, over-leveraged and virtually guaranteed to collapse as current financial and economic conditions deteriorate, a new banking failure could make the first wave of bank failures in 1930 Nashville look like a vicar’s tea-party. The failure of just one major bank anywhere in the world is likely to degenerate into a widespread panic, because global regulation has ensured they all game the system similarly and they all share the same weaknesses to greater or lesser degree. In another potentially fatal error, following the Lehman crisis the G-20 agreed new rules designed to ensure that the costs of future bank failures are to be carried by bond holders and large depositors as well as shareholders, and not governments. Fortunately, this bail-in route is intended to be optional, but there is a risk that in a widespread banking crisis one or more of the G-20 members will go down the bail-in route, probably for banks not on the G-SIB list but smaller and no less significant banks. With some bailing-out and some bailing-in, simple nationalisation and preservation of all customer deposits becomes less likely, prompting a collapse not just in the banks bailed in, but a panic in all bank bonds and major deposits which would otherwise be protected in a clean bail-out. Putting the bail-in uncertainty to one side, instead of a series of bank failures between 1930-33 today’s global banking interdependence suggests one major crisis is more likely, which arguably has already started given the liquidity injections that have taken place since last September, commencing in the repo market.
A difference from the thirties is that cash money today is a lower proportion of overall money supply, payments being overwhelmingly electronic. Depositors queueing up to withdraw their funds in old fashioned bank runs cannot be ruled out, but today failing banks find funds transferred from them far more swiftly by electronic means, particularly from larger account balances lacking depositor protection.
One reason that central banks have encouraged the abandonment of cash is to lessen banks’ vulnerability to old fashioned bank runs. Instead, by acting as back-stop liquidity provider, even when other banks reduce credit lines to a stricken bank, the intention is that no bank need fail. By the creation of bank reserves through QE and using the repo facility to provide overnight liquidity, commercial banks are already drawing on this support, without which there would almost certainly have been a banking crisis already. On this basis, bank failures are already here, only they are hidden from public view. All that’s needed is for bank bond holders and large depositors to wake up fully to the risks to their capital for the banking crisis to become public. And that’s why the values of financial assets cannot be permitted to slide, because if they were to do so the whole financial system would rapidly collapse.
Money differences In the 1930s the dollar was exchangeable for gold until one month after Roosevelt’s inauguration, when he signed an executive order banning the ownership of gold and gold certificates. It was a prelude to the devaluation of the dollar to $35 to the ounce the following January, the rate at which US citizens were forbidden to own gold. Apart from that devaluation, and despite its demonetarisation from gold the dollar retained its objective exchange value, while the depression led to falling prices for traded goods and commodities.
Falling prices were the natural consequence of the contraction of bank credit, the imposition of trade tariffs and failing price support operations. Instead of inflationary unbacked bank credit contracting, it was sound money in the form of a gold-backed dollar that took the blame. The inflationists were in control in both fact and of the narrative, but they couldn’t quite discard gold altogether — that didn’t happen until 1971.
Today there is no backing for government currencies, being entirely fiat. There is therefore no restriction in the deployment of an inflationary tax to balance the government’s books. Measured in gold, the dollar has already lost 98% of its purchasing power since the late sixties, and now its supply is being increased at an unprecedented rate.
The mistake being made by central banks is to not understand that money is merely the mechanism for converting an individual’s labour into consumption. It is the means by which we compare one good against another. It is not, as modern economists seem to think, a means for individuals to evaluate the cheapness or dearness of a good in isolation. If that was the case, then current and prospective prices would broadly have the effect they expect. The failure of monetary policy, therefore, is in large measure due to the error of not understanding the true role of money in the economy. It wasn’t the increased purchasing power of the dollar in the 1930s which contracted the economy, but the withdrawal of bank credit combined with trade tariffs. Similarly, the falling purchasing power of the dollar today will not, on its own, stimulate consumption. This is not to merely dismiss the distortions in the market from changes in the quantity of money, which are damaging in many other respects. But above all, the debasement of the currency impoverishes the creative economy, the exact opposite of the effect intended.
It remains to be seen how far the destruction of fiat money will go, but as Figure 2 shows, M1 money has already jumped sharply — by 104% annualised between 24 February to 22 June. 
Conclusion Unfortunately, governments in the developed nations are making the same mistakes dealing with the current economic crisis as they made ninety years ago. As was the case between 1930—1933 we can be almost certain of a banking crisis. This time it will be global and almost certainly will require banks to be taken into public ownership. The cost will be immense, and it will be paid for by inflationary means.
The scale of it will mean an unprecedented destruction of wealth — hardly the basis for economic recovery. At the same time statist preservation of existing production for fear of unemployment will hamper, not help economic recovery; and, so long as fiat currencies retain any exchange value, there can be no economic revival. Indeed, the most important difference from the 1930s is the money, which could well collapse entirely. Guided by the pre-Keynesian economic theory of the Austrian school, of the economic consequences we can be certain. The political consequences in the long run can only be guessed
submitted by Btcyoda to Bitcoin [link] [comments]

Best Approach to Couples Finance

Summary of situation:
We both bank with CIBC and are looking for advice on the best way to manage money between our accounts. We communicate clearly and openly about our finances and are focused on common goals. We both have personal chequing accounts, savings accounts, TFSAs, and credit cards. I also have an RRSP and we will be starting her one soon. We don't write checks, and manage
What are the best options to manage funds between us?
I think we're going to move her direct deposits to my account so we can sweep any excess cash into the appropriate savings accounts, but just wanted to know if there are any tips we could avail ourselves of.
Thanks, PFCers!
submitted by instant_dreams to PersonalFinanceCanada [link] [comments]

Is this even legal? (I'm pretty sure it's not but don't know what to do)

TL;DR
My mom is blowing my scholarship money on clothes, shoes, and food for herself and her friends everyday for the past 2 months since I have received it. The scholarship amount was $3000 and sent as a cheque to the mail. I feel that there is nothing I can do. A similar situation caused my older brother to leave home earlier this year since my mother was using his credit card to fund her lifestyle while leaving him with no access to his own account or finances. This was ruining him financially in addition to nearly a decade of extreme abuse where the police and CPS got involved over 10 times - but that is a story for another day. Is this legal and is there anything I should do about it? It is only a small amount anyway and I could repay it as a loan in the future if she depletes it entirely - which she most likely is about to do.
Long Story;
I will try to keep this as simple as possible. I recently received a $ 3000 scholarship as a cheque in the mail for my post secondary studies / tuition starting this fall. Unlike many other grants or loans that go directly to the secondary institution, this one is simply meant to be deposited into an account. My mother attempted to cash the cheque in her bank account, but then I was notified through physical mail basically saying that what happened was wrong and that I needed a personal bank account. I didn't even know this was happening behind my back but my mother explained it as soon as she learned that I had read the letter - calling it an honest mistake.
Anyway we went to her bank branch to open an account for me the following week. As we went their I received quite a terrifying lecture about how she was in charge of my finances and would make the best decisions for my life. ( for reference, she doesn't know that the stock market exists or what an interest rate is due to being incredibly socially isolated because of delusions, extreme religious doomsday beliefs, and mental illness in general ) After years of pressure she was finally convinced to stop using cash for all of her expenses and to start using cards, this was after over five years of explaining from my older brother that going digital didn't mean entering the " Devils System. "
After the whole bank interview she asked for a debit card in my name, created a 4 digit ATM pin ( but told me I'm not allowed to look or know it since I'm too young - yes she thinks I'm that stupid ) to our new joint bank account, and that was it - we got my account set up and went home.
Except that this isn't were the story ends - it is where it begins. After registering the account she immediately walked outside the bank and explained to me how 10% of my money must always go to God and she took $ 300 out of the account and did something with it - to this day I have no idea what. She then drove right across the street to a McDonalds and bought herself a burger, fries, drink and icecream and just let me sit quietly. No there is usually nothing wrong with this, except that she was using my debit card which she just made 20 minutes ago. This problem evolved since my mother constantly buys fast food and snacks from vending machines every day she goes to work for her and her friends, despite not ever carrying cash due to paranoia that someone will sneak in her bag and steal it. She also does not take her debit or credit card out with her since I find them every day in her nightstand, I have not seen my card since the day it was made around 2 months ago, which makes me know that she is using it constantly and that the well will soon run dry.
She is literally spending my scholarship on clothes and shoes that she orders online or from the local women focused fashion stores + lunch and snacks every single day. She is probably going to finish it very soon since she has been doing this consistently for weeks.
Just to note, I am not 18 yet but have already graduated hs and been enrolled for uni because I skipped a grade back in elementary. I should also mention that recently she asked me to grab her phone from her purse and I had to dig through a pile of fast food receipts, mostly from Burger King.
Is this legal, illegal or should I do something? Confronting my mother is not an option, thanks for all replies and any thoughts.
submitted by FaceAndKMS to legaladvice [link] [comments]

A year come March - My story.

Hi there.
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So my story is different in nature but relatable enough and it's about battling addiction, so I think it's fit for this subreddit.
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To understand my situation, I never seen myself as a smoker. I smoked weed. A lot. I always smoked it with tabacco. I took "Smoke weed everyday" literally for a good half-decade and not once did I think I was a smoker. A smoker to me was someone who smoked cigarettes and NEEDED a cigarette to function. I didn't; I could go a whole day at work without anything and feel fine.
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But I wasn't fine at all.
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I avoided a lot of "life" things like nights out, gatherings etc because I knew I had weed back home and I couldn't wait to get in the house and spark up a joint. Fitness was out the window; didn't need to be fit to play games right? Thinking was effort, and whose got an ounce of effort when you're high?
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It was literally my life. But I'm not a smoker right? Wrong.
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I was doing worse than a smoker in terms of tobacco exposure; I was smoking it through roaches (a piece of cardboard rolled up to "act" as a filter, but as useful as a chocolate teapot) and essentially taking in all of the nasty stuff. I felt great when I smoked weed; my lifes problems were left at the door, it was just me, my bro, weed and games. That's it. It felt good, why stop? Rinse and repeat.
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I've tried to quit before and it was always the same thing: "after this joint, that's it, no more weed." but it was never the end, because after 2-3 days of not smoking weed and getting bored, my bro would say "should we go and visit the dealer?" and that mere hint of visiting the dealer seen me hop in the car and take a trip. Rinse and fucking repeat.
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Slowly but surely I got worse; my habit started costing double what it originally cost not due to inflation, but upping how much we bought - we figured if we doubled what we bought, we'd do less visits to the dealer but nope, we just smoked twice as much. This started taking an adverse effect on my health and life quality. I'd occasionall have a few realisational roadbumps that would knock my head above the clouds for a moment of clarity, and I'd see just how bad I'd gotten but soon enough my head would be right back into the smog and back into my old ways. I always remember my frail gran asking me to take her to the shop one Saturday morning but I had wake-n'-baked, so I'd lie and say I can't because I was still drunk from the night before. Shameful. I'd grown so ashamed of myself that I couldn't look at my face in the mirror. This didn't stop me - to block out reality I smoked a joint and lost myself to my games and all was better.
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Being a gamer, you occasionally come across awesome quotes that stick with you. One that always stuck with me and is deadly relevant to the turning point for me is this:
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https://youtu.be/zEWJ-JgVS7Q from 0:00 - 0:51
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I was just going round and round and round and nothing changed. Saying "one last joint and that's me off it" wasn't enough. I needed to write cheques my ass could cash, I needed to be honest with myself. For so long had I abandoned my social life to the point of non existence, got into the red and received my paychecks minus what I'd owed every month, hated the sight of myself and who I'd become, I needed to do something about it, I needed to make a stand.
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"should we go and visit the dealer?"
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"Nah, lets not."
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The struggle didn't end there however, if I were to kick this habit, I was to do it on hard mode. My brother wasn't ready to quit just yet, so as I live in the same house as him I had to endure the sweet sweet smell of the finest green he'd acquired. Not gonna lie, it was tempting as hell and a few times I felt like saying "pass me it" but each time this happened I'd always think of that quote and resolved that something needed to change and what I'm doing just now IS that change. It's either quit now on my own devices or quit due to my health demanding it end.
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The first week was solid tough. My brother gave no exceptions when smoking it and he'd happily do it in front of me; he'd be damned if he was to alter his daily life to accomodate my new stance on weed. After all, me quitting meant he'd need to front the entire bill and travel there himself as opposed to me driving him there. It was as bad as a smoker or alcoholic trying to quit when their household were also smokers or alcoholics goading them to return to the darkside. It's tough. Very tough.
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Come the second week, I felt happy with my progress; still early days, but to hell with it if I were to return to my old ways. A strange thing happened that week however; my mother and father who have been lifelong smokers seen the effort I was taking and decided to give quitting a chance. They visited a local pharmacy and enquired about different methods to quit smoking, namely patches or vapes to slowly wean themselves. They took a test which involved blowing into a tube and it would monitor on a scale how much nicotine/tar content you had.. I don't know the details, but I remembers my parents readings being moderate (30-50) so this intrigued my brother to go along and enquire about quitting; the same test he scored 93! This shocked him into quitting smoking as well as weed (couldn't do one and not the other!) which went well. My parents bought vapes, my brother already had one and all was well for a while. Eventually however just like dominoes, once one person fell, the others soon got knocked down too, so just as my mother went back into smoking, so did my father and brother.
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I was not for being knocked down any time soon. My resolve was still going strong and I can safely say by month 4 the smell disgusted me more than made me reminicse about the ol' toke or two back in the day.
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We're now on month 11; next month (I can't remember the day so I always go by the 1st of the month) will be 1 year since I last put a joint to my mouth. This is mindblowing so to speak but I'm proud of myself.
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There's plenty of benefits from quitting:
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Quitting weed has been the tip of the iceberg in terms of quitting things; I've since made moves to cut down on my sugar content and quit drinking fizzy drinks by looking at images like this: https://www.dailyjambo.com/wp-content/uploads/images/uploads/3/2/2/4/32243057/1414455788.png
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Thanks for reading.
submitted by FuriousNorth to stopsmoking [link] [comments]

I am 25 and have a joint income of $61k ($25k for me and $36k for my partner) as an Admin Assistant in Leicester, UK.

Section One: Assets and Debt
I have converted everything from GBP to USD, so some amounts might be rounded here or there, but they are very close!
Retirement Balance (and how you got there): LOL basically none. I currently contribute 6% of my salary (my company will match up to 8%), although I upped that this month, it was 4% previously. Essentially I just let the pension company do whatever they do with it, although I probably should be a little more proactive. I currently have £2331.82/$2956.76 in there, and I couldn’t find my partner’s most recent statement to see what she has in hers.
Savings account balance: My partner and I previously had a lot of debt, it’s literally only been the past few months we’ve finally gotten our joint accounts sorted and can finally start saving properly. We have £715/$912 in our savings account, it’s not a special high yield one or anything, just regular easy access savings. Once we have enough saved up in there for emergencies, we’ll open up a Lifetime ISA (LISA) to save up for a house deposit.
Checking account balance: We try to keep a £500 (~$630) buffer in the bottom of our joint account, although projected expenses this month will mean by the time we get paid in July (we get paid on the 15th of every month) we will probably be right at the bottom of our account. Basically we have a joint current account for nearly all expenses, then we pay ourselves a small amount into personal accounts each for us to do whatever we want with. Usually for me it’s clothes! The way we use it, personal accounts are for personal, unnecessary spending. So things like work clothes or haircuts come out of the joint account, even though they technically only benefit one person, they are still a necessary expense.
Credit card debt (and how you accumulated it): No joint credit card debt. I have around £390/$500 on my personal credit card that I am very slowly paying off out of my personal allowance, that was to pay for 3 months with an online personal trainer I have wanted to work with for a long time.
Student loan debt (for what degree): So student loan works slightly differently in the UK, I basically think of it as a graduate tax. It doesn’t affect my credit score, and will be automatically taken from my pay cheque once I start earning roughly $31k per year. It will be written off 30 years after I graduated, which will be 2045 for me. I haven’t paid a penny of it off yet, and doubt I will ever pay the full amount. I have roughly £45k/$57k to pay off, and my partner has roughly £60k/$76k. That amount covered our tuition and living expenses while at uni, plus the interest we have accrued since graduating. My degree is a BSc in Counselling and Psychology, and hers is an MEng in Aeronautical Engineering.
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Section Two: Income
My job monthly take home pay: £1362, which is roughly $1714
Partner’s job monthly take home pay: £1880, which is roughly $2366
We don’t have any other forms of income right now.
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Section Three: Expenses (these all come from our joint account)
Rent: £725/$910 for a small 3 bedroom semi-detached house a few miles out from the city centre. Rent has not been raised in the 2 1/2 years we’ve lived here, so our goal is to stay in this house until we buy property up north, where we’re from and where houses are cheaper.
Electric + Gas: £100/$127.56 (this is dependent on the weather, now that it’s finally started to warm up this should go down as we won’t be using the heating)
Water: £25/$31.89
Savings: Our goal is to put around £600/$755 into savings per month, although we haven’t managed that this month. Usually when we get paid, we see what expenses are coming up in the time between then and our next pay cheque, and figure out how much we can afford to put away, and how much we can afford to put into our personal accounts.
Personal money: Our goal is £150/$189 per month, but the last few months we haven’t had that much spare.
Phone: Mine is £60/$75 per month (I wanted an iPhone X, which happened to come out around when my previous contract ended. This is for the phone, plus 8GB of data per month, and unlimited calls and texts). My partner’s is £37/$47.20 per month, she’s not as bothered about the latest phones so she has an iPhone 8. Her bill covers the phone, plus 30GB of data per month (jealous!) and unlimited calls and texts.
Spotify: £14.99/$19.12 for a family account used by me and my partner
iCloud: £1.58/$1.98
Netflix: £7.99/$11
Amazon Prime: £79/$99 annually
TV and internet: £33.99/$43.36 (this mainly for internet, we’re not big TV watchers so we don’t pay for any additional channels like sport).
TV licence: £154.50/$197.08 annually, this is paid by everyone (with a few exceptions) in the UK who owns a TV, and is very hotly debated!
Car insurance: £41/$53 for our one car that we share.
Car payment: £135/$172.21
Car tax: £20/$25.51 annually
Gym: £19.99/$25.50, this used to be more expensive, I just recently got a new membership that is through my work so it’s a discounted rate. I can go to lots of different gyms in the area and it’s all covered under this.
Personal training course: £110/$140.32, I am retraining as a personal trainer, this amount covers the combined online course with some in person elements. This will be paid off in May 2020.
Council tax: £144/$183.69, I think this is equivalent to property tax in the US? It’s basically the amount we pay to our local councils, the amount varies depending on a few factors like house size and how many people live there. It’s to cover services like bin collection and whatever else the council does!
Cat insurance: £21.86/$27.88 for our two 11-year-old cats. We didn’t previously have this, but then one cat had a seizure completely out of the blue a few months ago so we panic bought it! She’s completely fine, the vet couldn’t find a cause for it, and if you saw her you wouldn’t even know she’d had it.
Donations: We don’t currently have any regular charity payments. If we see someone has a Gofundme or a fundraiser we’d like to donate to we’ll do that, as well as regularly giving cash to the homeless people we see in the city. I also volunteer semi-regularly with a small charity that helped me a lot as a child, as a way to give back.
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Note: all purchases in the diary will be from the joint account unless I specifically state they are from my personal account.
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Day One: Monday
7:10am: Ew. I did not sleep well, so I snooze my alarm for 15 minutes.
7:25am: Ok ok, I force myself out of bed. I was smart and got everything ready last night, so I just need to get dressed, grab everything from the fridge, and go. I dress very simply for work, just a black skirt and tights, and a rust coloured blouse with cute foxes on! I put on a tiny bit of make-up, just foundation, mascara, eyebrow pencil, and blush.
8:05am: We’re out the door! My partner (L) and I actually work at the same company, so it makes commuting very easy, and I get a chauffeur. Within 10 minutes of leaving the house, I’m sat at my desk. I drink a protein shake I brought from home as my breakfast.
12:30pm: Lunch time! I got bored of meal prepping a few weeks ago, so now I just bring in a tin of tomato soup. It’s very dull to eat, but at least I don’t have to cook tons of portions at the weekend, and it saves some money.
2:00pm: I send some messages on a group chat I have for a hen (bachelorette) party I’m planning that’s happening in a couple of weeks. Nobody has paid me yet for the activities, and we haven’t decided where we’re going to eat afterwards. Honestly I’ve hated the entire experience of planning this, and I just can’t wait for it to be over. I’m not even attending the ceremony because it’s in another country and we can’t afford to go.
4:00pm: I eat a ham sandwich I brought from home. It’s on a protein thin, it’s pretty gross but it fits my macros a little better than normal bread so I deal.
4:35pm: We had to stay slightly late due to L being in a meeting, but it’s finally home time! I know I didn’t mention any details about my work, but honestly I don’t do a lot! If there aren’t any emails to answer, I basically don’t have any work to do. I spend a lot of time browsing the internet and doing my personal training course.
5:00pm: I’m hungry, so I eat a banana, then get started cooking right away. L mows the lawn, because it’s gotten super long due to the extreme rain we’ve had recently, and today has been the first day without rain in weeks. Tonight we have beef burgers with homemade chips (fries), I have my burger without the bun because I figure if I avoid the bread, I can have more chips, right?
8:30pm: Time for the gym! While we ate, we finally started season 2 of She-Ra on Netflix, then played Borderlands 2 (we have played this through a bajillion times but we still love it) on the PS4 for a while with one of the cats on my lap, so I have a lot of walking to do to reach my 10k step goal. I walk to the gym, and do my weights workout. I love to lift heavy-ass weights! No circuit routines for this gal.
10:00pm: I stay until the gym closes, then walk home. It’s pretty creepy because I have to walk through a very secluded path and I don’t like it in the dark. After I get home, I eat a homemade brownie that I baked yesterday (my speciality), and a quark yoghurt, then I take my make-up off and have a quick body shower, and am in bed by 11pm. L very kindly makes my sandwich for tomorrow and shuts down the house before she comes to bed around midnight.
Daily total: $0
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Day Two: Tuesday
7:10am: Feel very sleepy as usual, but force myself out of bed. My usual routine is that I get out of bed first, get my make up on, then come back in and wake L up. She’s a very deep sleeper so she can be quite difficult to turf out of bed! I go downstairs while she gets ready, and pack our bags for work, including making my protein shake for later.
8:05am: Arrived at work, I like to get in around this time because it means we can leave earlier, so I have more free evening time. I spend my morning reading internet forums, and slowly getting on with some work.
11:00am: I drink my protein shake. I genuinely enjoy these, I use Gold Standard vanilla protein mixed with soy milk, it tastes like a milkshake to me! I get a notification that I’ve been outbid on a pinafore dress I was interested in on eBay, but the price has gone higher than I wanted to pay, so I don’t increase my bid.
12:30pm: We go down and eat lunch, it’s the same tomato soup for me. L made some stir fry at the weekend for her lunches this week.
3:00pm: I eat my ham sandwich on a protein thin. Can you tell I eat the same stuff every goddamn day?!
4:20pm: Home time! As soon as I get home I eat a banana, get changed, and am instantly back out of the door to walk to my haircut appointment for 5pm.
5:30pm: Hair cut is done, only needed a quick dry trim. It started to rain on the way there, I’m gutted because I was really hoping this rain would be over by now. I get L to pick me up because the rain has really started to come down, and start cooking my tea. We are having different meals tonight, L has a frozen pizza and I make pasta with quorn chicken pieces and a simple cheese sauce. There ends up being too much pasta in the packet for one portion, but not enough to bother putting it back in the cupboard, so I make extra quorn, and pack it all up for lunch tomorrow. $19
6:30pm: Asda is here! We always arrange to have our weekly shopping delivered on a Tuesday, so I usually order it on Sundays. Today our shopping consisted of; pot noodles, chicken kievs, quark yoghurts, soya milk, celery, asparagus, soft cheese, broccoli, cauliflower, bell peppers, salmon, cheese, chicken breast, sliced chorizo, quorn chicken, bread, protein thins, coke zero (for L), Lindt chocolate (for me), pasta, potatoes, two bottles of cider (for L), apple & blackcurrant squash (for me), naan bread, and cheese sauce mix. $75.05
8:30pm: After lounging around watching more She-Ra and cuddling the cats, I drag myself to the gym. Not really feeling it tonight, and nearly talk myself out of it. During the walk, I text with a friend and arrange to go see Rocketman next week. I wanted to go see Booksmart, but this was our compromise. Plus, I’m happy to watch Taron Egerton and Richard Madden make out, so I’m not too upset.
10:00pm: I head home after doing my weights, eat a brownie (I have so many left, I’ll need to fob some off on friends I think) and have a shower. Afterwards, I try to do the dishwasher, but L knows it’s past my bedtime and shoos me upstairs. After drying my hair, I am in bed for 11:30pm.
Daily total: $94.05
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Day Three: Wednesday
7:10am: Nope.
7:35am: After many snoozes, I get out of bed. Quickly get ready, same routine as always. Simple make up, chuck on a black dress and tights, make a protein shake, brush teeth, then we leave. I get to my desk by 8:20, and drink my protein shake around 11am as usual.
12:30pm: Lunch time, I didn’t realise quite how much pasta I made, so I’m quite stuffed. Or maybe I’m not used to eating bigger meals during the day?
4:35pm: Time to go home! We’re going out later for tea with L’s family, as it’s one sister’s birthday, and the other had her last exam today. We’ll be eating later than I’m used to, so I have a quark yoghurt to tide me over. I also add a bunch of extra make up, including Barry M Liquid Chrome highlighter, my favourite. I change into a cute tie-front blouse and black skinny jeans, and put on a little jewellery as well.
5:50pm: We estimate it will take 45 minutes to get to the restaurant, but we set off with plenty of time just in case we hit traffic. Before we leave, we grab an extra gift we got a while ago for L’s sister. We already posted her main gift, but as a gag gift we also bought her a giant pencil and a tiny notebook. It seemed funny in the shop, but writing it down it sounds lame! On the drive, we listen to some old episodes of The Adventure Zone podcast, our favourite.
7:00pm: We’re here, but the family isn’t unfortunately, we get a text to say they’re running half an hour late. We park up, and since it’s after 6pm it’s only $1.50 to stay until midnight. L and I both really need a wee, so we spot a cute bar in a canal boat and head in for a drink and to use the loos. I get a vodka lemonade, and she gets half a cider since she’ll be driving later ($8.20). We sit outside to enjoy our drinks, since it’s not too cold. $9.70
7:30pm: They’re finally here, so we go to the restaurant to be seated. I order another vodka lemonade, and chorizo spaghetti carbonara as my main course. It’s DELICIOUS! L has pork belly with vegetables and a diet coke, but I can tell she wishes she’d ordered pizza like everyone else. For dessert I have a melt in the middle chocolate pudding with a scoop of vanilla gelato, and again it’s completely delicious. L has a salted caramel sundae, and she gives me the white chocolate curls, since she doesn’t like chocolate.
10:00pm: I can’t believe we stayed so long! L’s dad generously covers the bill, which he tells us came to around $203 for the seven of us. We spend a long time debating how much tip to leave, I don’t think he wants to leave much because he was already paying so much for the meal, so he ends up only leaving a tenner ($12). Controversial! I personally would have left more, but he’s older and quite conservative, I don’t think he’d have left a tip at all if we hadn’t all convinced him. L and I literally never carry cash, so we can’t help out either.
11:05pm: Finally home, and exhausted. L very kindly makes my sandwich for tomorrow without me even asking, while I take off my make-up, brush my teeth, and am out like a light.
Daily total: $9.70
​
Day Four: Thursday
7:10am: I don’t want to, but I force myself out of bed. Go through the usual morning routine of make-up, brush my hair, and put on deodorant (I’m just realising I never mentioned that any other days, I promise I wear it every day!). I wake L up and make her take my weekly progress photos to send to my PT, since it’s check-in day. As we leave the house, I notice the sky is glorious blue! I hope all this rain is finally over, and we can actually start summer.
8:15am: I’m at my desk! L has a doctor’s appointment at 9am so we had to make sure to get here nice and early, so she can get some work done before she has to leave again.
10:00am: I check my eBay app and see I’ve been outbid AGAIN on something, and I can’t decide what to do. I don’t have any summer clothes because my weight and body shape is very different from last year, but I also don’t have a lot of money to spend. I increase my bid to $5 on some denim high-waist shorts and am still not the highest bidder, so I tap out. I only have around $60 in my personal account to last me the entire month, including the cinema next week, so I don’t want to spend it all on clothes.
12:30pm: Lunchtime is here, and I go down to eat my boring soup. When I get back, my co-worker offers me a doughnut! I told him yesterday that the jam doughnuts from the Co-op are vegan, which he didn’t know, so today he bought some for us all to share. Definitely improves my mood!
1:30pm: You know that comment I made about the glorious blue sky? Guess what! It’s goddamn raining.
3:00pm: I eat my ham sandwich, cry a little inside about the fact that I wish it was another doughnut instead.
4:25pm: I successfully resisted eating a second doughnut, and it’s home time! We stop by the Co-op as is our Thursday tradition. We used to go to a local sandwich shop on Fridays as a treat, but now to save money we just buy some nice bread from the co-op and make our own. I also grab a light Ribena and some fridge raiders to bring tomorrow as a snack. $4.50
5:00pm: Not long after we get in, the cat that had a seizure recently starts limping! I panic, but after a few seconds she’s fine, it must have just been a dead leg. The cats are 11 now so I wouldn’t be surprised if they were starting to have some joint issues. We discuss it, and I go on amazon to buy some salmon oil to add to their food, because that’s supposed to help ($15.20). That also reminds me we’re nearly out of cat food, so I go on Fetch and order a 4kg bag of James Wellbeloved dry food, and a jumbo pack of Felix wet food pouches ($42), they’ll all be delivered tomorrow evening. $57.20
7:30pm: After eating cheesy pasta bake with celery and a bell pepper for tea (my absolute favourite) and lounging around listening to more Adventure Zone and playing Pokemon X, I decide to go for a walk since I’ve not moved a lot today. L doesn’t come with me because she’s tired and her hayfever is really acting up today. I only end up going out for about half an hour before I really need a wee and have to come home, so I don’t manage to hit my 10k step goal.
10:30pm: I spend some time browsing Depop for the first time ever, and I love it! I buy a black pinafore dress for $8.25 including postage. I again try and sort the kitchen and make sandwiches for tomorrow but L shoos me upstairs and says she’ll do it, so I head up to bed and am asleep pretty quickly. $8.25 from my personal account
Daily total: $69.95
​
Day Five: Friday
7:20am: I snooze once, debate going back to sleep and just getting into work later, but manage to get up. Technically we can arrive any time we want as long as it’s before 9am, but I do prefer getting in early when we can, so we can leave earlier.
7:50am: I get downstairs after getting dressed and putting on make-up and some Lush No Drought dry shampoo, to discover the kitchen is still a mess and sandwiches aren’t made. I’m annoyed because L specifically told me not to do it, and now we’ll be running late. She comes down and makes the sandwiches while I pack our bags and make my protein shake. We brush our teeth and manage to leave by 8:15 somehow.
11:00am: I drink my protein shake for breakfast as per usual.
12:30pm: Time to head for lunch, ham sandwiches on the nice bread today as a Friday treat, plus my Ribena. L has the same bread, but she has chorizo, cheese, gherkins, and mayo on hers, and a sugar free energy drink.
3:30pm: I eat my fridge raiders. Not a particularly exciting snack, but it keeps me going. Plus, it’s nearly home time!
3:55pm: Time to go! We can leave half an hour early on Fridays, and we count that down to the minute. Once we get home, I eat a banana, drink a pre-workout shake, get changed into gym clothes, put some laundry on, and head back out in the car. I’m going to a different gym that my friend works at today so I can give her the rest of the brownies I baked, so I need to drive. I only passed my test just over a year ago, and I’m still a very nervous driver. I typically only drive short distances, and I’ve never driven on the motorway. Luckily L doesn’t mind driving me around!
7:45pm: Can’t believe how long I stayed at the gym! I spent ages chatting to my friend, and had to do 30 minutes of cardio after my weightlifting, so my workout ran really long. I don’t mind though, because I hit some PBs and I feel amazing! Get home to find L ran the dishwasher, so the kitchen is lovely and sparkling clean. My tummy is rumbling LOUD, so I quickly run for a shower, then come downstairs to make my salmon, rice, broccoli and cauliflower. L always spends Friday evenings gaming on the PC and chatting to friends on Skype, so I get to do whatever I want.
9:30pm: I finish eating, and decide to lounge around and watch Hearts Beat Loud on Netflix. It’s a cute film, although it does make me cry. I try to coax the cats into eating the food with salmon oil added, but they don’t like it. The cat with the bad leg outright refuses to eat even a bite, which is extra frustrating since we bought it for her specifically.
11:00pm: I go to bed in a weird mood after the film, not sure why. I have a bit of a cry, and can’t fall asleep for hours, not helped by the fact that L is still chatting to her friends in the next room and is being quite loud. Usually I’d shut the bedroom door, but the cats are in here with me and I feel bad kicking them out.
Daily total: $0
​
Day Six: Saturday
3:30am: I wake up briefly as L comes to bed and moves the cats out of the room, but fall back asleep instantly.
9:00am: I wake up for real! I’m visiting family in Manchester today for my nana’s 80th birthday party, so I have to get on the train, I’ve already paid for my tickets. It’s a long journey, I just hope I can find seats. I clean the kitchen, put more laundry on, then make myself poached eggs on toast for breakfast.
10:20am: L drops me at the train station, I could definitely have driven myself but I pretend like she might need the car, so I don’t have to drive. The weather keeps alternating between hot and cloudy, and I brought my big winter coat for some reason. I just carry it around, wishing I had a cool jacket to wear instead. On the train I start reading a book I’ve been meaning to get into for ages, The Last Mrs Parrish by Liv Constantine.
1:20pm: Finally arrive in Manchester! It’s a long journey but not a difficult one, only one change. My family let me know they are running a little late to pick me up from the station, but I assumed they would be anyway, so I had planned to get some food while I waited. I go to a healthy fast food place just outside the station, and get chicken nuggets and baked waffle fries. $8.70
2:00pm: We get to the party fashionably late. I eat my food in the car, although I don’t enjoy the fries so I give them to my little brother. 16 year old boys will eat literally anything! I wasn’t expecting everyone to be dressed so nicely, I stick out like a sore thumb in my jeans and t-shirt, while everyone else is in nice dresses and shirts. Nana seems pleased to see me though, and that’s what counts!
4:30pm: We couldn’t stay for very long, because I had to get back to the station. I think I’ll have spent more time on a train today than actually visiting family! The party was pretty uneventful, I basically spent the entire time corralling my little brother and sister while my mum cuddled a cousin’s six week old baby. There was a buffet, but I don’t eat any of it, and my mum pays for our drinks, so I have a couple of J20s. I go to WH Smiths in the station because I’m getting hungry and won’t be home for hours. I get a ham sandwich, bottle of Ribena and packet of Skips as part of a meal deal, and grab a dairy milk chocolate bar as well. $6.90
6:15pm: I finish my book during the first train journey (loved it, very Gone Girl vibes), and get a notification that I’m very low on data. I top up 1GB for £5/$6.38, which will be added to my next bill. All I can really do now is just eat my food, and listen to an episode of the Dear Prudence podcast I had already downloaded. $6.38
7:40pm: Finally back at the home station! I had to stand for the last 45 minute journey, so my back is aching. L picks me up and we head home. I decide I’m in the mood to play Legend of Zelda: Breath of the Wild on the Nintendo Switch, so I start myself a new playthrough on that. L sits on the sofa with me and gives me pointers.
10:30pm: After a nice relaxing evening, I head to bed early. I quickly take off my make up, brush my teeth, and fall asleep in no time.
Daily total: $21.98
​
Day Seven: Sunday
10:00am: Finally, I get a lie in! I swear, we’ve been busy every single Saturday for weeks, I needed this extra sleep. I lounge around in bed for a while on social media before getting up at around 11. I clean the kitchen while L gets ready, and I have an internal discussion about whether I should go to the shop before I eat, so I can buy a ready meal for lunch.
11:30am: I don’t buy the ready meal! We make poached eggs on toast for us both, and manage to get them lovely and runny inside for the second day in a row. While that’s cooking, we look through some recipes for what to make for L’s lunches, she decides on a healthy looking Mexican casserole.
12:30pm: After watching some TV, we head out to Asda to buy the meal prep ingredients. We get brown rice, chicken, corn, and black beans. I also pick up some new tights for work, some pasta, and L spies a new Nando’s sauce she enjoys but hasn’t seen in shops before ($19.07). We had just started to get in the red on our petrol gauge, so we also stop and completely fill up the car on the way home ($51.03). $70.10
1:30pm: Pretty much as soon as we get in, I start making lunch. I want to get to the gym quite soon, and since I’m doing deadlifts today, I need more food in me, even though I’m not hungry yet from eating breakfast so late. We have pasta with quorn chicken, celery, red bell peppers, and cheese sauce. I’m STUFFED because I made too much, and end up extremely sleepy. I do put on some more laundry, there’s a growing pile of clean laundry in the bedroom that hasn’t been put away yet.
3:00pm: After wandering around the house in a fog for a while, I finally feel awake enough to walk to the gym. Get in an ok workout, although I don’t stay behind to do cardio because I want to get home to watch the Women’s World Cup football (soccer) game, England v Cameroon. L does her meal prep while I’m gone, and tidies the kitchen after she’s finished.
6:30pm: What a crazy game! So glad I tuned in, it was truly wild to watch. After that finishes, I head for a shower, then we cook chicken kievs and homemade chips for tea. For dessert, I have a few squares of my Lindt chocolate, and a protein shake.
11:00pm: I had a very chilled evening again, just played more Zelda, and chatted to friends on Whatsapp. We discuss the upcoming hen do, and I end up feeling more positive about it. Fingers crossed it goes well! I brush my teeth and get into bed, but again I don’t fall asleep for hours. I’m frustrated, because it’s work tomorrow and I know I’ll be exhausted. L once again makes my sandwich and cleans the kitchen, then after her shower comes to bed around 1am.
Daily total: $70.01
​
Total spend: $265.78 ($8.25 of that from my personal account)
Food + Drink: $122.42
Fun/Entertainment:$0
Home + Health: $0
Clothes + Beauty: $27.25
Transport: $52.53
Other: $63.58
Lastly, reflect on your diary! This was a higher spend week for us than usual (doesn’t everyone say that), which is actually why I chose it for this diary, so it would be more interesting to read! I like to think we’re pretty frugal in general, so I was quite surprised by the total at the end. Just shows how small expenses really add up! It’s something we’re working on. Usually we don’t get up to this much in one week, we have a lot more no spend days.
submitted by Zen_Rainbow to MoneyDiariesACTIVE [link] [comments]

[simplii] Get $50 when you send your first $100 global money transfer abroad

Retailer: simplii
In addition to the 50 u can score another 25 with a referral.!
But
Can't have sent a global money transfer before .
Details below.
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Simplii Financial foreign exchange rates apply to all transfers. Must have a Simplii Financial No Fee Chequing Account, Simplii Financial Personal or Secured Line of Credit to send a Simplii Financial Global Money Transfer. Most transfers are completed by the next business day; some require up to 3 business days to be completed. For full terms and conditions, review the Simplii Financial Global Money Transfer Agreement (PDF, 115 KB).
†
To qualify, use promo code GMT50 to send your first Simplii Financial Global Money Transfer (“GMT”) from your Simplii Financial No Fee Chequing Account, Simplii Financial Personal Line of Credit or Simplii Financial Secured Line of Credit using online or mobile banking. You will receive 50 CAD cash back in the account from which you sent the GMT within 6 weeks. Offer runs from February 1, 2020 until January 1, 2021 and can be changed or cancelled at any time without notice. Limit one cash back offer per person per account including joint bank accounts. Simplii Financial Global Money Transfer Service rates apply to all transfers.
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submitted by DealsCanada to ShopCanada [link] [comments]

[CIBC] CIBC Earn $300 and 12 Month Fee Rebate with a CIBC Smart Account

Deal Link
Expiry: June 30, 2020
Retailer: CIBC
I just saw this on CIBC website. The good thing is it is $300 cash offer plus 12 Month Fee rebate (no minimum balance required for this offer). So it is much better than the the previous gift card offer for opening Smart account. The account requires to be opened for at least 1 year, but it does not require you to lock a minimum balance.
Hope you can take the advantage of this promotion.
Here is detail. Please read term and conditions and Service fees (link provided below) before you apply:
◊ Offer begins on February 29, 2020, at 12:01 am ET and ends on June 30, 2020, at 11:59 pm ET. Offer available to Canadian residents who have reached the age of majority and who are not holders or joint holders of a CIBC chequing account. To qualify, open a CIBC Smart™ Account and provide your email address. Within 3 months of opening the account, set up and complete on a recurring basis each month at least one (1) eligible direct deposit OR at least two (2) different eligible pre-authorized debits. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated. The cash reward will be deposited into your account seven (7) months after you have completed the required transactions. Other conditions apply; visit a CIBC Banking Centre or review the
.
terms and conditions (PDF, 135 KB)
† Offer only open to Canadian residents who are not holders or joint holders of a CIBC chequing account.
To qualify, open a CIBC Smart Account and provide your email address. Within 3 months of opening the account, set up and complete on a recurring basis each month 1 eligible direct deposit OR 2 different eligible pre-authorized debits (each, a “Qualifying Action”). The monthly fee will be rebated for the month in which the account is opened and for the next 3 months.
If at least 1 Qualifying Action is completed each month for the subsequent 9 months following the first 3 months after the account was opened, the monthly account fee will be rebated for each month in which the Qualifying Action occurs. The monthly account fee will apply for each month where no Qualifying Action occurs and at the end of the offer period without further notice. Other service fees continue to apply as set out in the Personal Account Service Fees brochure (PDF, 680 KB) Opens a new window in your browser.
‡ Unlimited everyday banking for a capped monthly fee of $14.95.
1 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage® Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking®, CIBC Mobile Banking®, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. "CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (rebated for CIBC SmartTM Plus Accounts except the 2.5% administration fee on the converted amount of foreign currency ATM withdrawals), wire payments, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus Accounts and for clients who are enrolled in CIBC Advantage® for Youth, CIBC SmartTM for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage® for Students (on the CIBC Everyday® Chequing Account) and transactions in foreign currency (including cheques written in currencies other than the account currency).
For a description of transactions that are included in the CIBC Smart™ Account monthly fee and everyday banking fees for other Personal Bank Accounts and Services, review the Personal
.
Account Service Fees brochure (PDF, 680 KB)
Notes
  1. The Cash Reward is subject to the condition (the “Reward Condition”) that the Eligible Client’s Account must remain open, active and unconverted for
at least one (1) year
  1. After your 12-month offer ends,
keep your daily balance at $3,000 or more. Plus, make 1 recurring direct deposit or 2 pre-authorized debits each month
if you want to keep paying no monthly fees
submitted by DealsCanada to ShopCanada [link] [comments]

[simplii] Free 50 ( +25 ) for sending 100 $ abroad YMMV

Retailer: simplii
In addition to the 50 u can score another 25 with a referral.!
But
Can't have sent a global money transfer before .
Details below.
These times are challenging, but we make it simple and convenient for you to help your loved ones abroad. With Simplii Financial™ Global Money Transfer you can send money safely and securely — from the comfort of your home.

Sending money abroad has never been easier:
Pay no transfer fees*Transfer money 24/7 from your phone or onlineSend to over 90 countries, including 13 new countries, such as Japan, Malaysia and Jordan
Get discounted◊ exchange rates for a limited time.
Valid until June 12, 2020.
Plus, if you haven’t sent a Global Money Transfer yet,
get $50 with your first transfer.† Use promo code GMT50
*
Simplii Financial foreign exchange rates apply to all transfers. Must have a Simplii Financial No Fee Chequing Account, Simplii Financial Personal or Secured Line of Credit to send a Simplii Financial Global Money Transfer. Most transfers are completed by the next business day; some require up to 3 business days to be completed. For full terms and conditions, review the Simplii Financial Global Money Transfer Agreement (PDF, 115 KB).
†
To qualify, use promo code GMT50 to send your first Simplii Financial Global Money Transfer (“GMT”) from your Simplii Financial No Fee Chequing Account, Simplii Financial Personal Line of Credit or Simplii Financial Secured Line of Credit using online or mobile banking. You will receive 50 CAD cash back in the account from which you sent the GMT within 6 weeks. Offer runs from February 1, 2020 until January 1, 2021 and can be changed or cancelled at any time without notice. Limit one cash back offer per person per account including joint bank accounts. Simplii Financial Global Money Transfer Service rates apply to all transfers.
◊
The amount of the discount will vary depending on currency.
submitted by DealsCanada to ShopCanada [link] [comments]

I'm stuck between a rock and a hard place (financially and emotionally), and would really appreciate some advice

Hi raisedbynarcissists, early 20s ACoN here. I'm really happy that this place exists and that you're all here because I have no one IRL to turn to. This is going to be a long-winded post, and I apologize in advance, but I need to get this out of my system and convey the full extent of how screwed I am (and how I've been enabling it up to this point).
So yesterday, I found out that the refund cheque I received from my university's tuition grant program had actually arrived, nearly 2 months ago. The reason I didn't know is because my mom had found it in the mail while I was at school, checked it into our joint-savings account (which I regret still having, but more on that later), and then immediately transferred it all to her personal account. She did all of this without saying a single word to me. This happened 2 months ago; I only found out today from checking the joint account's history and comparing a suspicious withdrawal amount to the refund amount on my invoice. And sure enough, when I showed this same evidence to her, she confessed to having taken the money.
This led to a long, awkward, and uncomfortable confrontation between the two of us, because her stealing was the straw that broke the camel's back. Why? Here's a chronology:
Since then, the debt on my credit card has been steadily going down due to the cut of her paycheck I get, but it feels kind of low and is barely more than what I pay each month for transit and such. When I ask her, she keeps saying it's because of bills, and I haven't had the guts to call her out on this because I'm afraid she'll pull the divorce card again or something else.
But last night changed everything. Before then, I'd been keeping this vague hope that she was really doing all of this for my benefit and just had a misguided way of doing it (writing this out now, I realize how naive this sounds). But last night, she admitted to straight up deceiving me over the cheque, and even tried to justify why she didn't say a word to me about it. ("Because I knew you wouldn't have given me any if I'd asked." Yeah, great, the child who you've run into debt is hesitant to give you more money, especially now that you're working? Go figure.)
I got angry at her then and there -- and truthfully, I know I'm in the right to feel upset over this -- but in the end I still let her leave the confrontation without actioning anything. I want to tell my dad, but at the same time I don't want to tear the family apart and deal with the emotional pain of feeling like it was my fault (I have siblings and wouldn't want them affected by this at all).
I also want to get the hell out of this house and cut all ties with her. But I'm still in debt, and I'm a full-time uni undergrad looking to graduate in the Spring, so I can't quite squeeze in a full-time job. I guess I could get a part-time job, but:
And at the end of all this, the other thing gnawing at my mind is that I keep wondering if this is all my fault. If I hadn't been a naive dumbass and opened that personal bank account sooner, I wouldn't be in this mess. Or even then, I should've stood my ground and actually committed to saying "no" instead of giving in out of naivete and laziness. I do have friends that I could speak to about this, but I get the feeling they'll say I'm the one to blame for that mistake.
So all in all, my mom has been manipulating me into letting her take my money, and I'm stuck because I don't want to tear the family apart, and because I don't have the financial resources nor the life skills and maturity to move out.
Sorry for rambling on for so long. I know I've given waaay too much info to digest, but I really would appreciate advice because I'm panicking over what I can even do. Thanks to all taking the time to read this :)
EDIT: Apologies for being unresponsive; I had an exam today, and there's another in two days' time, so my time on Reddit is pretty limited. That said, I want to say that I'm super grateful to everyone who responded here! It's liberating to know that there are people who are willing to hear me out and let me know that I'm not just overthinking this or viewing my mom in the wrong light.
submitted by throwaway1352468079 to raisedbynarcissists [link] [comments]

can one person cash a joint cheque video

How to fill a cheque - YouTube We shot an ATM and found $50,000 inside!!!!! - YouTube SurveyTime Review: Make Legit Money Online For Free How To Link YouTube to your Bank Account and get Paid ... The Fisher Method Review - Wait DON'T Buy The Fisher Method YouTube Manifest a Specific Person—See Yourself as a Catch! Man jailed for cashing Chase check at Chase Bank - YouTube How to Fill Bank Cheque Correctly? - Hindi

ask cheque issuer to cancel current cheque and issue another in one name (in case with estate agencies - they more likely to offer new cheques in names mentioned on the tenancy agreement dividing the owed amount on equal parts) or; open a joint account (e.g. joint savings account that doesn't need a credit check) or Cash the check with just your signature if “or” or “and/or” is listed between your name and the other name. This designation means either one of you can cash the joint check without the other person's signature. Bring the other person with you to the bank if any other word or symbol is between the names. The rules for cashing a check made out to 2 individuals varies depending on the bank as well as how the check was written. Checks made out to either individual using the word “or” can be cashed by either person. If the check was made out to both people using the word “and,” then it has to be cashed by both parties. If the cheque is crossed (as almost all are these days), it can only be paid into an account in the name of the person it was written out to: it cannot be paid into another's account, nor can it be "cashed" 1 – see the rules on "Crossed" cheques. Note: that while the recipient of the cheque cannot (legally) alter this state of afairs, the writer of a cheque that was printed pre-crossed can A check can be deposited into a joint account with only one of the joint owners signing the check. Once the check is endorsed, unless there are written restrictions, the check becomes a "bearer" instrument so that anyone can cash it. Advertisement. Score 0 / 0. Method 1 Quiz. You received a cheque made out to you and your partner. Your partner just left for a business trip but you want to take Cashing a jointly payable check is a pretty straightforward process if you share a joint account with the other payee listed on the check. However, a joint account is not required to cash a check that has been made out to you and another person. That being said, the specific steps you need to take to cash the check depend largely on the policies of your financial institution or establishment where the check is being cashed. Also, the wording on the actual check itself plays a major role. One person can cash a check written out to two people if the names are separated by "or," "and/or", a comma or nothing. These conjunctions allow the bank or check cashing company to pay the amount on the check to either one of the people identified on the "payable to" line, regardless of whose name is written first. I amended my 2016 tax return to married filing jointly and the refund check is issued with both spouse name on it. But the problem is that my spouse live in overseas. When I went cash the check, my bank said that my spouse need to be present before I can cash the check. Also we don't have a jointly bank account. Please help me on that because my spouse can't has a visa to come to the USA right immediately if you deposit the cheque in person with a teller, or bank employee, at one of the financial institution's branches or other locations where you can open an account; on the business day after the day of the deposit if you deposit the cheque in any other way, such as at an automated teller machine (ATM), using a mobile device; Exceptions for access to the first $100 for small and Answer: Yes, but only if the payee names are connected by “or” If a two-party check is written to “ [Person 1] and [Person 2],” both parties must be present to cash the check. However, “ [Person 1] or [Person 2]” means that either person can cash the check on their own. Can You Cash a Two-Party Check With Only One Signature?

can one person cash a joint cheque top

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How to fill a cheque - YouTube

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can one person cash a joint cheque

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