Just a reminder - GGG doesn't own POE. Tencent, a Chinese multinational technology conglomerate and one of the highest grossing multimedia companies in the world does. They don't care if you supported GGG for the last decade, or how you feel or anything else apart from one thing
I've been a homeowner for 4 years. These are the biggest things I wish somebody told me on day one.
**1. Your home equity is a gold-mine. If you need cash, stop taking out high-interest loans.** So many people take out high-interest payday loans – please don’t do this. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit). Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card). Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans. Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). Side note: if you hate debt, you can still get money out of your home’s equity by using something like [Hometap](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), where you more or less sell investors a portion of your equity without a loan) **2. Switch auto insurance companies every 6-12 months.** If you haven’t compared auto insurance rates in the last 6 months, you’re probably overspending (on average by \~$400/year[¹](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Red-Big-Mistakes-Homeowners-D2D-1028-New-HELOC1st-Source)). Example: I cut my car insurance bill by \~$1,300 this year by switching carriers (same exact coverage too) and it took me a whopping 5 minutes. Take two minutes and pull up a comparison site (I used [Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) is fine too) and compare multiple offers from different companies in one go. Worst case scenario: you stay with what you’ve got. Best case scenario: you save a few hundred dollars a year.Here’s a link to a good comparison site:[ link](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st). **3. Try and find the best price online.** Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices. I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible. **4. Get yourself a dang advisor.** Most people are under the false impression that financial advisors are just for wealthy people. They absolutely aren’t: if you have a net worth of $100k+, you can typically qualify for an advisor. Having an advisor typically increases your yearly returns by 3%[¹](https://corporate.vanguard.com/content/dam/corp/articles/pdf/putting_value_on_your_value_quantifying_vanguard_advisors_alpha.pdf) (mostly due to smarter tax planning) If you don’t have an advisor in your family, use a site like [WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) or [Zoe Financial](https://betterbuck.net/view-nb.php?offer=zoe&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) to find somebody with good reviews in your area. **5. You don't have to pay off your debt by yourself.** Very few people know about it, but If you have $10k+ in debt, you can technically ask a debt relief to come in and take over the process for you. It’ll typically save you 23% off your total debt, after fees (according to NDR, a big debt relief company). They’ll negotiate with your creditors and try to get your debt reduced (then they take a cut of the savings). Typically people who are struggling with debt save 23% on avg. when they ask for help from debt relief companies. Here’s a little calculator you can use to see how much you’d potentially save: [link](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). **6. Save on home insurance.** Some homeowners save $1k+/year just by switching home insurance providers (typically saving them more than changing auto insurance policies). If it’s been over a year since you’ve reviewed your rates, it might be worth taking a few minutes to compare offers. Here’s a home insurance comparison site I’ve used: ([link](https://betterbuck.net/view-nb.php?offer=bankrate-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).I've been a homeowner for 4 years. These are the biggest things I wish somebody told me on day one.
**1. Your home equity is a gold-mine. If you need cash, stop taking out high-interest loans.** So many people take out high-interest payday loans – please don’t do this. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit). Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card). Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans. Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). Side note: if you hate debt, you can still get money out of your home’s equity by using something like [Hometap](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), where you more or less sell investors a portion of your equity without a loan) **2. Switch auto insurance companies every 6-12 months.** If you haven’t compared auto insurance rates in the last 6 months, you’re probably overspending (on average by \~$400/year[¹](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Red-Big-Mistakes-Homeowners-D2D-1028-New-HELOC1st-Source)). Example: I cut my car insurance bill by \~$1,300 this year by switching carriers (same exact coverage too) and it took me a whopping 5 minutes. Take two minutes and pull up a comparison site (I used [Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) is fine too) and compare multiple offers from different companies in one go. Worst case scenario: you stay with what you’ve got. Best case scenario: you save a few hundred dollars a year.Here’s a link to a good comparison site:[ link](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st). **3. Try and find the best price online.** Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices. I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible. **4. Get yourself a dang advisor.** Most people are under the false impression that financial advisors are just for wealthy people. They absolutely aren’t: if you have a net worth of $100k+, you can typically qualify for an advisor. Having an advisor typically increases your yearly returns by 3%[¹](https://corporate.vanguard.com/content/dam/corp/articles/pdf/putting_value_on_your_value_quantifying_vanguard_advisors_alpha.pdf) (mostly due to smarter tax planning) If you don’t have an advisor in your family, use a site like [WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) or [Zoe Financial](https://betterbuck.net/view-nb.php?offer=zoe&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) to find somebody with good reviews in your area. **5. You don't have to pay off your debt by yourself.** Very few people know about it, but If you have $10k+ in debt, you can technically ask a debt relief to come in and take over the process for you. It’ll typically save you 23% off your total debt, after fees (according to NDR, a big debt relief company). They’ll negotiate with your creditors and try to get your debt reduced (then they take a cut of the savings). Typically people who are struggling with debt save 23% on avg. when they ask for help from debt relief companies. Here’s a little calculator you can use to see how much you’d potentially save: [link](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). **6. Save on home insurance.** Some homeowners save $1k+/year just by switching home insurance providers (typically saving them more than changing auto insurance policies). If it’s been over a year since you’ve reviewed your rates, it might be worth taking a few minutes to compare offers. Here’s a home insurance comparison site I’ve used: ([link](https://betterbuck.net/view-nb.php?offer=bankrate-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).
was it just me or all of u had similar experience
so , a story came into my mind when I was a little kid, I was well mannered don't give a fk or say apni duniya me hi rehta that wala kid, so once a uncle was making fun of me he said really bad word and which I thought were embarrassing and I ofcc didn't think that he was making fun (I WAS A KID BRUV) so what I did was he bought a brand new car and I wanted revenge heheheh so I opened my father's holy tool box took the HOLY SCREW DRIVER and scratched the shit out of it, and my family paid for it and I was scolded very very badly (bruv 40k I guess it was a luxury car) few days later he was again making fun of me this time I ignored him, and very next day he got into accident and died, and my fkin ass was laughing on his funeral btw I still regret and feel sad about the car(not for that man bihh) do you had something relative exp or I was gone a lil too far ??[OFFER] Get £41 with TopCashBack & Quidco - £25 from TopCashBack & Quidco & £16 from me(UK)
TopCashBack is an online cashback and coupon site. TopCashBack launched in 2005 in the UK. TopCashBack is free for you to use. When you buy products online through their links, you earn cash back on your purchases. I know that people are often skeptical of “free money” so here's a quick overview of how TopCashBack works. TopCashBack has partnered with thousands of online stores. When you make a purchase at one of those stores through a TopCashBack link, the store gives Top Cash Back a percentage of the purchase price as a referral fee. So, basically, TopCashBack is making a small commission on your purchase. But instead of pocketing that commission themselves,TopCashBack actually gives the whole referral fee back to you in the form of a cashback bonus.(UK) TopCashBack is offering £10 sign up bonus when you sign up using my referral link. I am offering £10 for signing up TopCashBack using my referral link and earning £10 payable cashback or more. 1.Sign up TopCashBack using my referral link. 2. Complete offers and reach £10 payable cashback or more. 3. Once I receive my bonus, I will pay you £10 Quidco is one of the BEST UK cashback websites that enables its users to earn free money when making a purchase. Every time you shop the brands on Quidco, we'll reward you a slice of commission as cashback(UK) Quidco are currently offering £15 sign up bonus when you sign up using a referral link. I am offering £6 for signing up to Quidco using my referral link and earning £5 of cashback(UK) 1 Sign up to Quidco using my referral link. 2 Earn £5 of cashback. 3 Once I receive my bonus, I will pay you £6 Comment $bid if you are interested and I will send you my referral linkWhat are your Favourite Sitcom/TV Series from a Stand Up Comedian?
Was just discussing the hit-rate being low for decent stand up to tv show transitions. Lee Mack's Not Going Out glaringly stands out as awful, Katherine Ryans one as well. Some recent good ones i think are Meet the Richardsons, 15 Stories High, The Cleaner & The Cockfieldsdad's collection
Hiii! So my dad collects coins (idk where he is now lol), just wondering what are these coins and do they have a value? I dont know how coin collecting world works so yeah. Can someone help me with this, thank you!!!!!!Swiss entry dress watch under 500 CHF. Recommendations welcomed.
Hey guys! Currently visiting Switzerland and would like to buy a swiss dress watch while I'm here. I would like to focus on quality of craftsmenship. I've tried Tissot PRX, but the small model is too small, and the bigger model is to big on my wrist because of the specific shape of the PRX. Thanks!what do we know factually about such a potent herb that's been around for centuraris
Hello my fellow gingsingers, I've felt great benefit from red Korean gingsing , I'd even go as far to say . It's as strong as vyvance , an amphetamine I'm prescribed for adhd .anyways , I was hoping for the juggernaut fellows of this facanating herb to give me some tips. For example I saw online , that there is no tolorance whatsoever for the planet, meanwhile the opposite opinion on different sites . One person said they believe you should cycle through you're gingsing types , that being Amerincan gingsing , Korean and Asian. How long should I be on this stuff, and how strong the dose . I mostly use it to get a tolorance break from my adhd meds . BTW this is my first reddit post and apologies if I seem aloufe to the properties of these herbs. Would really love some feedback if one was so kind to assist .ThanksStruggling with PebblePad
Hi everyone, I’m a first year student nurse and feeling completely lost right now. I haven’t heard anything from my academic assessor regarding my PebblePad, and I genuinely don’t know where I stand—whether I’m passing or failing. I’m not the type of student to leave things until the last minute, but I’ve had to depend on others (my assessor) to do their part, which took so much time. Now, I’m scared that I won’t have enough time to fix anything if something’s wrong, the deadline is already gone: I’ve worked incredibly hard, never missed a class, never submitted anything late, and I don’t want this to be the reason I get kicked out. I tried to get things sorted earlier, but I was hesitant to reach out to a Practice Education Facilitator (PEF) because I’ve heard it can make you look bad on placement. I also understood that the ward staff were busy, so I didn’t want to push too hard—but I begged and begged for them to sign things off, and they kept putting it off and they’ll do it and I honestly looking back I hate that fact that I told them the correct deadline I should’ve made it earlier . I thought as long as they did it before the deadline, I’d be okay but I don’t know where I stand right now. Now, my academic assessor has stopped replying to my emails, and I have no idea how or when I’m going to get my outcome. As an international student, I’ve put so much money and effort into this course, working tirelessly alongside it, and the thought of failing because of something beyond my control is devastating. I don’t have anyone to talk to about this, and I just don’t know what to do next. Has anyone been in a similar situation? What should I do? Any advice would be so appreciated right now. Thank you.
How do i play Multiplayer?
Hello. I have this game for about a week now and i am 17 hours deep. I really want to try out Multiplayer but i am scared of being absolutely overwhelmed. So on the site note, would anyone be so kind to help me with online mode?
"> He is not a bot, forfeited lol Btw joke ahh team (gonna replace that Evil buu for the 2024 anni broly)